Mountainside, NJ · Charter 8937
Q2 2000
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.27% | 4.44% | 3.19% | 1.30% | 2.12% | -215 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 5.17% | 5.35% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 77.62% | 66.25% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -21.30% | -6.41% | 13.11% | 15.09% | 13.57% | +3,487 bps | |
| Loan Growth (YoY) | 23.92% | 15.49% | 35.86% | 36.87% | 39.79% | +1,586 bps | |
| Share Growth (YoY) | -27.75% | -11.94% | 12.80% | 15.60% | 12.80% | +4,056 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.80% | 2.19% | 1.54% | 1.40% | 1.17% | -63 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.42% | 5.54% | 4.58% | 3.62% | 2.78% | -264 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.74% | 70.23% | 72.85% | 76.06% | 82.71% | +1,596 bps | |
| Liquid Assets / Assets | 17.57% | 41.89% | 37.65% | 0.00% | 0.00% | -1,757 bps | |