Paramus, NJ · Charter 9414
Q3 2009
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -5.41% | -6.23% | -2.97% | -3.48% | -20.34% | -1,493 bps | |
| Return on Equity | -10.88% | -12.76% | -6.15% | -7.26% | -57.85% | -4,697 bps | |
| Net Interest Margin | 3.59% | 2.50% | 3.22% | 3.27% | -12.75% | -1,634 bps | |
| Efficiency Ratio | 156.91% | 237% | 182.23% | 196.50% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -20.64% | -17.27% | -12.02% | -11.04% | -5.37% | +1,527 bps | |
| Loan Growth (YoY) | -10.45% | -13.60% | 2.49% | -12.61% | 1.38% | +1,183 bps | |
| Share Growth (YoY) | -29.86% | -22.99% | -16.39% | -14.32% | 21.91% | +5,177 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.08% | 3.24% | 4.19% | 16.45% | 15.07% | +1,199 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.17% | 6.69% | 7.23% | 7.22% | 6.68% | +251 bps | |
| Capital | |||||||
| Risk-Based Capital | 49.73% | 48.81% | 48.33% | 47.94% | 35.16% | -1,458 bps | |
| Net Worth / Assets | 49.73% | 48.81% | 48.33% | 47.94% | 35.16% | -1,458 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.90% | 77.96% | 80.48% | 80.96% | 72.26% | -1,463 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |