New York, NY · Charter 165
NCUA · 1 branch
Q3 2017
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.94% | 2.58% | -1.85% | -4.23% | -6.13% | -10.99% | -9.50% | -9.43% | -521 bps | |
| Return on Equity | 7.22% | 20.86% | -16.19% | -41.22% | -68.54% | -173.72% | -242% | -484% | -44,230 bps | |
| Net Interest Margin | 9.31% | 8.79% | 8.94% | 9.68% | 9.90% | 9.18% | 9.56% | 9.80% | +12 bps | |
| Efficiency Ratio | 90.17% | 84.50% | 102.51% | 115.47% | 139.38% | 173.40% | 171.97% | 175.89% | +6,042 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.30% | 14.78% | 5.69% | -1.42% | -7.89% | -17.85% | -15.93% | -12.13% | -1,071 bps | |
| Loan Growth (YoY) | 0.15% | 0.92% | -4.28% | -2.72% | -6.96% | -7.70% | -8.41% | -10.44% | -772 bps | |
| Share Growth (YoY) | 4.79% | 13.13% | 4.05% | 0.51% | -3.21% | -11.33% | -6.36% | -2.67% | -318 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.15% | 4.66% | 3.25% | 3.41% | 4.96% | 9.35% | 8.28% | 0.00% | -341 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 | 1.65% | 1.91% | 0.98% | 1.89% | 2.14% | 3.88% | 2.25% | 2.25% | +36 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.96% | 12.38% | 11.42% | 10.26% | 8.94% | 6.32% | 3.92% | 1.95% | -831 bps | |
| Net Worth / Assets | 12.96% | 12.38% | 11.42% | 10.26% | 8.94% | 6.32% | 3.92% | 1.95% | -831 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.00% | 64.48% | 66.40% | 71.98% | 72.10% | 67.12% | 64.95% | 66.23% | -575 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |