New York, NY · Charter 16393
NCUA · 1 branch
Q3 2018
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 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -9.09% | -7.83% | -5.55% | -4.85% | -4.77% | +432 bps | |
| Return on Equity | -85.18% | -74.86% | -59.48% | -54.61% | -59.41% | +2,577 bps | |
| Net Interest Margin | 4.21% | 4.39% | 4.08% | 4.21% | 4.23% | +2 bps | |
| Efficiency Ratio | 219% | 205% | 163.45% | 175.86% | 182.48% | -3,696 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.75% | -9.61% | -10.68% | -12.40% | -13.71% | -496 bps | |
| Loan Growth (YoY) | -15.29% | -18.32% | -10.07% | -13.70% | -12.62% | +268 bps | |
| Share Growth (YoY) | -1.24% | -2.77% | -4.09% | -9.05% | -10.03% | -878 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.67% | 1.88% | 2.21% | 2.20% | 0.00% | -567 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.21% | 3.38% | 4.94% | 4.95% | 4.38% | -284 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.68% | 10.47% | 9.32% | 8.87% | 8.03% | -265 bps | |
| Net Worth / Assets | 10.68% | 10.47% | 9.32% | 8.87% | 8.03% | -265 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.76% | 66.89% | 62.05% | 65.22% | 64.84% | -192 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |