New York, NY · Charter 16532
NCUA · 1 branch
Q3 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2018, the quarter ended September 30, 2018, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
New York, NY · Charter 16532
NCUA · 1 branch
Q3 2018
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 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.55% | -0.17% | -1.05% | -1.31% | -9.37% | -3.74% | -10330% | -22777% | -2,277,534 bps | |
| Return on Equity | -7.01% | -2.13% | -7.34% | -5.31% | -9.52% | -3.84% | -10330% | -22777% | -2,277,134 bps | |
| Net Interest Margin | 0.93% | 0.96% | 1.48% | 2.20% | 7.67% | 2.63% | -9705% | -20992% | -2,099,441 bps | |
| Efficiency Ratio | 158.63% | 117.44% | 206% | 158.76% | 257% | 242% | n/a | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.96% | -11.03% | -51.56% | -72.18% | -92.71% | -92.62% | -99.74% | -99.86% | -2,768 bps | |
| Loan Growth (YoY) | -33.32% | -40.68% | -53.08% | -52.16% | -46.80% | -43.11% | -100.00% | -100.00% | -4,784 bps | |
| Share Growth (YoY) | -5.90% | -11.52% | -55.19% | -77.40% | -99.95% | -99.95% | -100.00% | -100.00% | -2,260 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | n/a | |
| 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 | 4.47% | 5.08% | 7.17% | 7.96% | 8.41% | 8.92% | n/a | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 7.86% | 7.90% | 14.30% | 24.60% | 98.38% | 97.28% | 100.00% | 100.00% | +7,540 bps | |
| Net Worth / Assets | 7.86% | 7.90% | 14.30% | 24.60% | 98.38% | 97.28% | 100.00% | 100.00% | +7,540 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 5.71% | 5.08% | 7.22% | 13.00% | 6281% | 5921% | n/a | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |