Westburry, NY · Charter 20941
NCUA · 3 branches
Q1 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2017, the quarter ended March 31, 2017, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Westburry, NY · Charter 20941
NCUA · 3 branches
Q1 2017
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 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.02% | 0.13% | 0.18% | -0.17% | -0.15% | -0.22% | -1.82% | 0.45% | +62 bps | |
| Return on Equity | 0.13% | 1.03% | 1.39% | -1.33% | -1.17% | -1.75% | -15.99% | 4.06% | +539 bps | |
| Net Interest Margin | 3.27% | 3.28% | 3.32% | 3.17% | 3.05% | 3.12% | 3.19% | 3.05% | -12 bps | |
| Efficiency Ratio | 85.51% | 85.05% | 84.06% | 89.24% | 93.20% | 93.00% | 94.57% | 85.53% | -371 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.05% | 4.62% | 2.44% | 3.29% | 3.45% | 1.38% | -0.06% | -0.10% | -339 bps | |
| Loan Growth (YoY) | 1.81% | -1.08% | -0.57% | -1.18% | -3.15% | -1.00% | -1.12% | -1.05% | +12 bps | |
| Share Growth (YoY) | 5.24% | 3.78% | 3.55% | 3.58% | 3.51% | 2.30% | 1.73% | 1.83% | -175 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.35% | 2.53% | 2.35% | 4.12% | 4.18% | 4.02% | 4.14% | 6.63% | +251 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 1.00% | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.69% | 0.51% | 0.63% | 0.77% | 0.76% | 0.97% | 3.56% | 3.60% | +283 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.89% | 12.95% | 13.17% | 12.73% | 12.54% | 12.69% | 11.36% | 11.13% | -159 bps | |
| Net Worth / Assets | 12.89% | 12.95% | 13.17% | 12.73% | 12.54% | 12.69% | 11.36% | 11.13% | -159 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.89% | 72.31% | 71.88% | 68.47% | 67.26% | 69.98% | 69.86% | 66.53% | -194 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |