Flushing, NY · Charter 15860
NCUA · 1 branch
Q3 2019
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 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.48% | -2.27% | -3.03% | -2.49% | -2.92% | -2.73% | -2.70% | -2.68% | -19 bps | |
| Return on Equity | -10.75% | -7.35% | -10.13% | -9.22% | -11.17% | -10.74% | -10.53% | -10.33% | -111 bps | |
| Net Interest Margin | 5.46% | 5.46% | 5.13% | 4.66% | 4.79% | 5.71% | 5.20% | 4.81% | +15 bps | |
| Efficiency Ratio | 160.96% | 139.89% | 156.30% | 150.98% | 158.61% | 146.37% | 150.44% | 153.49% | +250 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.92% | -2.37% | 2.98% | 14.50% | 11.12% | 8.62% | 4.08% | -6.98% | -2,149 bps | |
| Loan Growth (YoY) | -8.56% | -5.09% | -10.99% | 11.53% | 9.23% | 10.29% | 12.49% | 4.44% | -709 bps | |
| Share Growth (YoY) | -16.51% | -0.09% | 6.12% | 23.21% | 20.29% | 15.78% | 9.24% | -6.54% | -2,975 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.15% | 5.81% | 5.86% | 2.45% | 5.48% | 16.62% | 25.78% | 4.29% | +184 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 | 10.15% | 10.77% | 11.41% | 11.02% | 11.40% | 14.89% | 15.47% | 13.34% | +232 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 32.33% | 30.94% | 29.95% | 26.98% | 26.17% | 25.41% | 25.68% | 25.89% | -109 bps | |
| Net Worth / Assets | 32.33% | 30.94% | 29.95% | 26.98% | 26.17% | 25.41% | 25.68% | 25.89% | -109 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.54% | 74.85% | 69.82% | 76.73% | 75.86% | 71.30% | 71.90% | 85.74% | +902 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |