PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Cumberland County Postal Employees

Bridgeton, NJ · Charter 8528

Q2 1996

$253KAssets
$173KLoans
$220KShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 6.83%, up 254 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (-565 bps YoY).
  • Funding: loans stand at 78.58% of shares as of Q2 1996.

Financial Results

Return on Assets (YTD, annualized)

6.83%+254 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets4.29%4.28%7.19%6.47%6.83%+254 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a-10.97%n/an/a
Loan Growth (YoY)n/an/an/an/a1.23%n/an/a
Share Growth (YoY)n/an/an/an/a-13.10%n/an/a
Asset Quality
Delinquent Loans / Loans5.65%1.55%0.00%0.00%0.00%-565 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.16%0.60%0.77%1.97%2.70%+154 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares67.45%82.20%100.87%92.19%78.58%+1,112 bps
Liquid Assets / Assets39.34%27.83%13.33%22.28%31.63%-772 bps