New York, NY · Charter 10476
Q2 2008
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 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.52% | 0.43% | 0.47% | -0.21% | -0.42% | -93 bps | |
| Return on Equity | 3.86% | 3.03% | 3.22% | -1.37% | -2.71% | -658 bps | |
| Net Interest Margin | 5.19% | 5.45% | 5.54% | 5.19% | 5.15% | -4 bps | |
| Efficiency Ratio | 83.58% | 86.92% | 86.27% | 98.05% | 101.61% | +1,803 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.23% | -9.97% | -8.05% | -14.50% | -12.38% | -615 bps | |
| Loan Growth (YoY) | 5.08% | 3.41% | -1.08% | 2.82% | -5.29% | -1,037 bps | |
| Share Growth (YoY) | -7.83% | -12.13% | -10.27% | -17.26% | -14.78% | -695 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.06% | 7.89% | 7.54% | 7.89% | 8.78% | +71 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.34% | 6.68% | 6.44% | 4.97% | 4.87% | -147 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.42% | 14.25% | 14.48% | 15.33% | 15.32% | +189 bps | |
| Net Worth / Assets | 13.42% | 14.25% | 14.48% | 15.33% | 15.32% | +189 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 34.08% | 36.38% | 36.10% | 38.50% | 37.87% | +379 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |