Bay Ridge, NY · Charter 15246
Q4 2014
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 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.03% | 5.80% | 5.28% | 6.21% | 6.63% | +260 bps | |
| Return on Equity | 15.31% | 17.94% | 15.56% | 14.21% | 12.94% | -238 bps | |
| Net Interest Margin | 7.34% | 8.91% | 8.82% | 10.26% | 9.60% | +226 bps | |
| Efficiency Ratio | 45.92% | 34.89% | 40.09% | 39.47% | 44.77% | -115 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.31% | -2.87% | -11.62% | -23.13% | -41.05% | -4,936 bps | |
| Loan Growth (YoY) | 10.10% | 4.73% | 6.29% | -55.51% | -100.00% | -11,010 bps | |
| Share Growth (YoY) | 5.76% | -10.00% | -21.49% | -39.59% | -60.72% | -6,648 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.53% | 2.07% | 1.94% | 3.90% | n/a | n/a | |
| Capital | |||||||
| Risk-Based Capital | 26.30% | 32.35% | 33.96% | 43.71% | 51.24% | +2,494 bps | |
| Net Worth / Assets | 26.30% | 32.35% | 33.96% | 43.71% | 51.24% | +2,494 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.35% | 77.90% | 86.23% | 63.07% | 0.00% | -8,235 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |