Brooklyn, NY · Charter 16285
NCUA · 1 branch
Q4 2022
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 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.25% | 0.83% | 0.67% | 0.02% | 0.25% | 0.94% | 0.53% | -3.01% | -304 bps | |
| Return on Equity | 12.29% | 8.06% | 6.39% | 0.24% | 2.35% | 8.67% | 4.87% | -36.77% | -3,701 bps | |
| Net Interest Margin | 3.06% | 2.64% | 2.54% | 2.60% | 2.03% | 2.60% | 2.28% | 2.56% | -3 bps | |
| Efficiency Ratio | 59.06% | 68.75% | 73.59% | 74.96% | 87.95% | 63.99% | 76.67% | 218% | +14,258 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.75% | -3.08% | -1.65% | -2.96% | -4.30% | -4.59% | -5.11% | -8.85% | -589 bps | |
| Loan Growth (YoY) | -0.45% | 0.26% | -22.33% | -36.34% | -26.26% | -34.93% | -8.67% | -22.42% | +1,393 bps | |
| Share Growth (YoY) | -4.37% | -3.40% | -2.35% | -3.48% | -4.70% | -5.35% | -6.67% | -8.11% | -462 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 20.49% | 21.61% | 15.56% | 22.75% | 21.73% | 9.46% | 7.97% | 9.22% | -1,353 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.21% | 10.24% | 10.49% | 10.21% | 10.42% | 10.79% | 10.95% | 8.19% | -202 bps | |
| Net Worth / Assets | 10.21% | 10.24% | 10.49% | 10.21% | 10.42% | 10.79% | 10.95% | 8.19% | -202 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 12.31% | 11.61% | 9.98% | 8.99% | 9.52% | 7.98% | 9.77% | 7.59% | -140 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |