New York, NY · Charter 20495
NCUA · 1 branch
Q3 2017
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 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.47% | -1.98% | -3.51% | -0.31% | -0.25% | +122 bps | |
| Return on Equity | -22.24% | -32.30% | -44.69% | -3.62% | -2.98% | +1,925 bps | |
| Net Interest Margin | 0.42% | 0.45% | 0.01% | 0.00% | 0.01% | -41 bps | |
| Efficiency Ratio | 616% | 751% | 132600% | 146100% | 53100% | +5,248,416 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.69% | -0.60% | -32.31% | -32.42% | -33.02% | -2,533 bps | |
| Loan Growth (YoY) | -61.99% | -94.40% | -100.00% | -100.00% | -100.00% | -3,801 bps | |
| Share Growth (YoY) | -6.87% | 1.49% | -32.47% | -33.59% | -34.39% | -2,751 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 13.59% | 100.00% | n/a | n/a | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.68% | 56.54% | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Risk-Based Capital | 6.62% | 6.12% | 7.85% | 8.64% | 8.52% | +191 bps | |
| Net Worth / Assets | 6.62% | 6.12% | 7.85% | 8.64% | 8.52% | +191 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 2.31% | 0.33% | 0.00% | 0.00% | 0.00% | -231 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |