Atco, NJ · Charter 9399
NCUA · 1 branch
Q3 2019
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 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | 0.07% | 0.24% | 0.46% | 0.59% | 0.19% | 0.44% | -1.28% | -174 bps | |
| Return on Equity | 2.77% | 0.40% | 1.31% | 2.50% | 3.15% | 1.00% | 2.33% | -6.25% | -875 bps | |
| Net Interest Margin | 5.56% | 4.90% | 4.95% | 5.07% | 5.29% | 5.61% | 5.59% | 6.36% | +129 bps | |
| Efficiency Ratio | 89.60% | 97.00% | 94.11% | 90.41% | 88.58% | 95.33% | 91.36% | 116.92% | +2,651 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.38% | 6.44% | 8.12% | 8.51% | 9.46% | -1.98% | -1.51% | -13.26% | -2,177 bps | |
| Loan Growth (YoY) | -12.25% | -18.84% | -13.52% | -10.84% | -8.62% | -3.42% | 2.32% | 0.92% | +1,176 bps | |
| Share Growth (YoY) | -3.55% | 7.53% | 9.64% | 9.93% | 11.04% | -3.17% | -4.55% | -15.53% | -2,546 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.14% | 0.15% | 0.17% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.65% | 2.08% | 2.00% | 2.04% | 1.70% | 1.74% | 1.68% | 1.77% | -27 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.93% | 18.15% | 18.04% | 18.35% | 18.80% | 19.15% | 19.01% | 20.47% | +212 bps | |
| Net Worth / Assets | 19.93% | 18.15% | 18.04% | 18.35% | 18.80% | 19.15% | 19.01% | 20.47% | +212 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.36% | 52.99% | 54.91% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |