Brooklyn, NY · Charter 16150
Q1 2004
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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -41.85% | -38.88% | -26.50% | -37.72% | -31.55% | +1,030 bps | |
| Return on Equity | -299% | -505% | -327% | n/a | n/a | n/a | |
| Net Interest Margin | 9.46% | 10.24% | 12.20% | 13.11% | 10.32% | +86 bps | |
| Efficiency Ratio | 107.87% | 106.16% | 97.94% | 115.55% | 57.50% | -5,037 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -26.76% | -19.97% | -20.82% | -32.62% | -25.70% | +106 bps | |
| Loan Growth (YoY) | -6.68% | -14.49% | -25.33% | -28.99% | -25.71% | -1,903 bps | |
| Share Growth (YoY) | -27.83% | -5.91% | -6.01% | -9.64% | -13.90% | +1,393 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 25.47% | 20.68% | 25.81% | 21.86% | 28.68% | +321 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.62% | 5.24% | 5.81% | 8.93% | 12.86% | +725 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.01% | 7.70% | 8.11% | -1.94% | 0.00% | -1,401 bps | |
| Net Worth / Assets | 14.01% | 7.70% | 8.11% | -1.94% | 0.00% | -1,401 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 93.63% | 88.61% | 90.66% | 93.04% | 80.79% | -1,284 bps | |
| Liquid Assets / Assets | 24.24% | 22.71% | 21.82% | 14.50% | 22.67% | -158 bps | |