Melville, NY · Charter 20798
NCUA · 1 branch
Q1 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 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.05% | 0.00% | 0.02% | -0.58% | 0.13% | 0.02% | 0.07% | -0.59% | -1 bps | |
| Return on Equity | -0.45% | -0.03% | 0.17% | -5.26% | 1.20% | 0.16% | 0.51% | -4.18% | +108 bps | |
| Net Interest Margin | 0.75% | 0.70% | 0.72% | 0.50% | 0.48% | 0.52% | 0.91% | 1.77% | +127 bps | |
| Efficiency Ratio | 104.36% | 100.33% | 98.40% | 170.54% | 83.63% | 98.02% | 94.72% | 129.18% | -4,136 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.81% | -17.33% | -19.68% | -9.58% | -2.77% | 4.80% | -12.17% | -21.39% | -1,181 bps | |
| Loan Growth (YoY) | -19.62% | -6.90% | -30.03% | -30.88% | -19.79% | 0.38% | 2.62% | 2.59% | +3,348 bps | |
| Share Growth (YoY) | -14.12% | -19.10% | -21.54% | -10.59% | -3.18% | 5.40% | -13.80% | -24.07% | -1,348 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| 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 | 7.34% | 7.19% | 8.19% | 9.29% | 9.16% | 7.16% | 7.98% | 9.06% | -24 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.40% | 10.97% | 11.70% | 10.93% | 10.81% | 10.49% | 13.39% | 14.01% | +308 bps | |
| Net Worth / Assets | 10.40% | 10.97% | 11.70% | 10.93% | 10.81% | 10.49% | 13.39% | 14.01% | +308 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 17.59% | 19.03% | 17.93% | 14.83% | 14.58% | 18.13% | 21.34% | 20.03% | +521 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |