Brooklyn, NY · Charter 12085
NCUA · 1 branch
Q2 2016
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.08% | -0.25% | 0.09% | 0.11% | 0.05% | 0.05% | -9.69% | -6.42% | -652 bps | |
| Return on Equity | -4.96% | -1.14% | 0.42% | 0.49% | 0.22% | 0.12% | -20.06% | -12.15% | -1,264 bps | |
| Net Interest Margin | 0.56% | 0.50% | 0.09% | 0.11% | 0.14% | 0.05% | 0.34% | 0.79% | +69 bps | |
| Efficiency Ratio | 166.83% | 183.31% | 0.00% | 0.00% | 65.15% | 0.00% | 2979% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.37% | 2.37% | 3.47% | 3.02% | 3.15% | -43.80% | -54.84% | -61.10% | -6,411 bps | |
| Loan Growth (YoY) | -65.02% | -70.34% | -67.25% | -62.74% | -56.36% | -100.00% | -100.00% | -14.03% | +4,872 bps | |
| Share Growth (YoY) | 0.61% | 3.43% | 4.57% | 4.39% | 3.77% | -57.67% | -70.74% | -76.36% | -8,075 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 100.00% | 65.75% | 99.93% | 99.84% | 99.92% | n/a | n/a | 100.00% | +16 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 | 96.47% | 88.92% | 130.67% | 148.90% | 215% | n/a | n/a | 233% | +8,401 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.84% | 22.12% | 21.80% | 21.79% | 21.94% | 40.61% | 48.28% | 52.81% | +3,102 bps | |
| Net Worth / Assets | 21.84% | 22.12% | 21.80% | 21.79% | 21.94% | 40.61% | 48.28% | 52.81% | +3,102 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 2.91% | 2.09% | 1.51% | 1.33% | 1.22% | 0.00% | 0.00% | 4.83% | +350 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |