Brooklyn, NY · Charter 12072
Q3 2006
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 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.83% | -6.39% | -1.37% | -3.94% | -1.54% | +328 bps | |
| Return on Equity | -10.32% | -14.25% | -3.08% | -8.90% | -3.29% | +702 bps | |
| Net Interest Margin | 3.43% | 2.51% | 3.81% | 3.91% | 4.25% | +82 bps | |
| Efficiency Ratio | 241% | 355% | 136.02% | 201% | 136.34% | -10,439 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.97% | -10.03% | -7.54% | -8.28% | -8.08% | +90 bps | |
| Loan Growth (YoY) | -30.54% | -32.99% | -34.49% | -36.98% | -41.84% | -1,130 bps | |
| Share Growth (YoY) | -8.25% | -7.97% | -7.30% | -8.70% | -8.17% | +8 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 103.86% | 116.78% | 130.61% | 148.72% | 178.58% | +7,471 bps | |
| Capital | |||||||
| Risk-Based Capital | 46.80% | 44.82% | 44.59% | 44.31% | 46.85% | +6 bps | |
| Net Worth / Assets | 46.80% | 44.82% | 44.59% | 44.31% | 46.85% | +6 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 34.99% | 30.47% | 27.20% | 23.85% | 22.16% | -1,283 bps | |
| Liquid Assets / Assets | 99.19% | 101.27% | 103.11% | 0.00% | 0.00% | -9,919 bps | |