Atco, NJ · Charter 9399
NCUA · 1 branch
Q3 2019
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 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.46% | 0.59% | 0.19% | 0.44% | -1.28% | -174 bps | |
| Return on Equity | 2.50% | 3.15% | 1.00% | 2.33% | -6.25% | -875 bps | |
| Net Interest Margin | 5.07% | 5.29% | 5.61% | 5.59% | 6.36% | +129 bps | |
| Efficiency Ratio | 90.41% | 88.58% | 95.33% | 91.36% | 116.92% | +2,651 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.51% | 9.46% | -1.98% | -1.51% | -13.26% | -2,177 bps | |
| Loan Growth (YoY) | -10.84% | -8.62% | -3.42% | 2.32% | 0.92% | +1,176 bps | |
| Share Growth (YoY) | 9.93% | 11.04% | -3.17% | -4.55% | -15.53% | -2,546 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.32% | 0.00% | 0.00% | 0.00% | 0.00% | -32 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.04% | 1.70% | 1.74% | 1.68% | 1.77% | -27 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.35% | 18.80% | 19.15% | 19.01% | 20.47% | +212 bps | |
| Net Worth / Assets | 18.35% | 18.80% | 19.15% | 19.01% | 20.47% | +212 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 53.46% | 57.90% | 52.85% | 58.86% | 63.87% | +1,041 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |