New York, NY · Charter 1532
NCUA · 2 branches
Q2 2018
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 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -9.87% | -26.58% | -27.58% | -12.23% | -21.13% | -1,126 bps | |
| Return on Equity | -753% | n/a | n/a | n/a | n/a | n/a | |
| Net Interest Margin | 2.40% | 2.56% | 2.47% | 1.64% | 0.97% | -143 bps | |
| Efficiency Ratio | 111.97% | 113.60% | 116.78% | 243% | 412% | +29,999 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -13.44% | -20.78% | -21.47% | -28.00% | -28.67% | -1,523 bps | |
| Loan Growth (YoY) | -18.74% | -20.08% | -29.15% | -33.29% | -31.77% | -1,303 bps | |
| Share Growth (YoY) | 1.16% | -4.51% | -25.55% | -41.49% | -48.83% | -4,999 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 20.50% | 21.58% | 12.44% | 13.10% | 10.44% | -1,006 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 12.79% | 21.09% | 21.08% | 16.94% | 20.56% | +777 bps | |
| Capital | |||||||
| Risk-Based Capital | 1.31% | -12.86% | -20.21% | -25.08% | -34.58% | -3,589 bps | |
| Net Worth / Assets | 1.31% | -12.86% | -20.21% | -25.08% | -34.58% | -3,589 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.23% | 88.72% | 95.25% | 107.49% | 114.99% | +2,875 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |