Toms River, NJ · Charter 9786
Q4 1997
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 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.79% | 3.33% | 3.08% | 2.19% | -2.23% | -603 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 | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | n/a | -17.28% | -19.53% | -26.27% | -29.25% | n/a | |
| Loan Growth (YoY) | n/a | -6.55% | -21.87% | -34.06% | -42.91% | n/a | |
| Share Growth (YoY) | n/a | -20.50% | -23.08% | -26.50% | -30.62% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.09% | 6.40% | 5.50% | 3.27% | 7.24% | -184 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.04% | 3.04% | 3.12% | 3.38% | 8.00% | +497 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 | 53.00% | 47.56% | 44.79% | 46.23% | 43.61% | -939 bps | |
| Liquid Assets / Assets | 55.58% | 58.82% | 63.14% | 60.82% | 65.83% | +1,025 bps | |