New Hyde Park, NY · Charter 12151
Q1 2008
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 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.58% | 1.97% | 1.61% | 0.00% | 0.08% | -250 bps | |
| Return on Equity | 7.61% | 5.79% | 4.73% | 0.00% | 0.28% | -733 bps | |
| Net Interest Margin | 5.47% | 5.45% | 5.26% | 4.07% | 3.81% | -166 bps | |
| Efficiency Ratio | 53.22% | 64.03% | 69.53% | 100.00% | 97.93% | +4,472 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -21.52% | -21.32% | -21.34% | -23.42% | -1.04% | +2,048 bps | |
| Loan Growth (YoY) | 124.58% | -12.95% | -13.29% | -24.65% | -41.29% | -16,587 bps | |
| Share Growth (YoY) | -29.67% | -29.47% | -29.30% | -30.76% | 7.35% | +3,702 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.83% | 0.00% | 23.94% | 15.11% | 0.00% | -383 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 14.87% | 15.23% | 16.45% | 18.41% | 4.54% | -1,033 bps | |
| Capital | |||||||
| Risk-Based Capital | 33.85% | 33.95% | 33.97% | 27.91% | 28.24% | -561 bps | |
| Net Worth / Assets | 33.85% | 33.95% | 33.97% | 27.91% | 28.24% | -561 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 29.67% | 28.80% | 26.52% | 24.12% | 16.23% | -1,344 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |