Paterson, NJ · Charter 8410
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 30, 2015, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Paterson, NJ · Charter 8410
Q2 2015
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.18% | -0.15% | -0.20% | -0.33% | -0.45% | -27 bps | |
| Return on Equity | -0.99% | -0.82% | -1.10% | -1.77% | -2.43% | -145 bps | |
| Net Interest Margin | 1.53% | 1.58% | 1.49% | 1.45% | 1.34% | -19 bps | |
| Efficiency Ratio | 111.83% | 109.58% | 113.33% | 122.88% | 133.62% | +2,179 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -24.48% | -6.93% | -1.56% | -1.69% | -1.81% | +2,268 bps | |
| Loan Growth (YoY) | -14.09% | -19.70% | -18.82% | -22.70% | -26.86% | -1,277 bps | |
| Share Growth (YoY) | -28.30% | -8.13% | -1.86% | -2.04% | -2.09% | +2,621 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.25% | 0.26% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.75% | 1.83% | 1.93% | 2.04% | 2.39% | +64 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.55% | 18.69% | 18.26% | 18.71% | 18.56% | 0 bps | |
| Net Worth / Assets | 18.55% | 18.69% | 18.26% | 18.71% | 18.56% | 0 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 30.65% | 29.47% | 27.44% | 26.87% | 22.90% | -776 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |