Jamaica, NY · Charter 14506
Q1 2010
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 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -13.27% | -5.59% | -3.88% | -2.69% | -35.38% | -2,211 bps | |
| Return on Equity | -244% | -95.11% | -62.03% | -39.79% | n/a | n/a | |
| Net Interest Margin | 4.37% | 3.89% | 3.87% | 4.15% | 4.78% | +41 bps | |
| Efficiency Ratio | 582% | 182.05% | 159.85% | 139.73% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -4.52% | -8.00% | -12.39% | -11.12% | -26.69% | -2,217 bps | |
| Loan Growth (YoY) | -25.78% | -28.22% | -30.52% | -0.89% | -4.15% | +2,163 bps | |
| Share Growth (YoY) | -4.30% | -6.66% | -10.33% | -8.49% | -20.13% | -1,583 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 17.92% | 18.91% | 32.73% | 24.23% | 13.95% | -397 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.56% | 3.59% | 3.78% | 5.33% | 5.19% | +63 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.44% | 5.88% | 6.25% | 6.76% | -0.31% | -575 bps | |
| Net Worth / Assets | 5.44% | 5.88% | 6.25% | 6.76% | -0.31% | -575 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 35.55% | 31.23% | 31.39% | 41.69% | 42.67% | +711 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |