New York, NY · Charter 17417
Q2 2011
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 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.95% | -1.99% | -11.21% | -3.18% | -2.31% | -135 bps | |
| Return on Equity | -3.35% | -6.59% | -35.24% | -10.05% | -7.00% | -366 bps | |
| Net Interest Margin | 3.63% | 3.12% | 3.39% | 2.36% | 2.11% | -152 bps | |
| Efficiency Ratio | 103.05% | 91.58% | 265% | 186.27% | 176.11% | +7,307 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.47% | -9.35% | -33.48% | -36.38% | -37.43% | -3,495 bps | |
| Loan Growth (YoY) | -10.91% | -23.28% | -41.49% | -49.66% | -52.95% | -4,204 bps | |
| Share Growth (YoY) | -2.12% | -11.43% | -40.72% | -44.35% | -45.20% | -4,308 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.62% | 0.59% | 0.01% | 0.27% | 0.50% | -11 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.98% | 4.80% | 11.52% | 15.59% | 14.01% | +1,304 bps | |
| Capital | |||||||
| Risk-Based Capital | 28.46% | 30.12% | 31.79% | 31.64% | 32.94% | +448 bps | |
| Net Worth / Assets | 28.46% | 30.12% | 31.79% | 31.64% | 32.94% | +448 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 26.72% | 23.84% | 24.85% | 23.89% | 22.94% | -377 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |