Yonkers, NY · Charter 19208
Q2 2005
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 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.80% | -0.35% | -2.13% | -0.20% | -1.29% | +152 bps | |
| Return on Equity | -24.98% | -3.09% | -20.11% | -1.76% | -10.51% | +1,447 bps | |
| Net Interest Margin | 2.46% | 2.48% | 2.61% | 2.86% | 2.70% | +25 bps | |
| Efficiency Ratio | 117.78% | 108.11% | 102.90% | 99.28% | 108.92% | -886 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.34% | 2.28% | 2.08% | -3.96% | -11.05% | -1,339 bps | |
| Loan Growth (YoY) | -31.68% | -29.90% | -25.46% | -63.66% | -73.75% | -4,207 bps | |
| Share Growth (YoY) | 4.35% | 4.18% | 5.03% | -3.30% | -11.97% | -1,632 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.20% | 1.28% | 0.00% | 1.11% | 2.62% | +243 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.52% | 5.51% | 10.17% | 6.61% | 19.51% | +1,299 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.22% | 11.24% | 10.61% | 11.33% | 12.25% | +102 bps | |
| Net Worth / Assets | 11.22% | 11.24% | 10.61% | 11.33% | 12.25% | +102 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 12.08% | 12.70% | 12.44% | 6.24% | 3.60% | -848 bps | |
| Liquid Assets / Assets | 88.83% | 88.25% | 88.94% | 93.63% | 96.08% | +725 bps | |