Bronx, NY · Charter 19907
Q3 2015
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -8.21% | -5.39% | -20.89% | -12.16% | -9.29% | -109 bps | |
| Return on Equity | -92.32% | -47.95% | -423% | -211% | -166.49% | -7,417 bps | |
| Net Interest Margin | 3.67% | 3.61% | 3.36% | 4.03% | 4.27% | +60 bps | |
| Efficiency Ratio | 156.53% | 125.31% | 114.36% | 101.94% | 117.12% | -3,941 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -24.08% | -16.47% | -16.20% | -24.49% | -25.97% | -189 bps | |
| Loan Growth (YoY) | -27.95% | -19.45% | -26.41% | -22.18% | -19.47% | +848 bps | |
| Share Growth (YoY) | -19.96% | -12.95% | -8.27% | -20.40% | -22.63% | -267 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 17.87% | 17.44% | 10.82% | 15.35% | 13.53% | -434 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 8.57% | 8.82% | 10.22% | 10.47% | 9.45% | +87 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.89% | 11.24% | 4.94% | 5.76% | 5.58% | -331 bps | |
| Net Worth / Assets | 8.89% | 11.24% | 4.94% | 5.76% | 5.58% | -331 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.79% | 66.12% | 53.62% | 64.14% | 67.44% | +265 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |