Westburry, NY · Charter 20941
NCUA · 3 branches
Q1 2017
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 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.17% | -0.15% | -0.22% | -1.82% | 0.45% | +62 bps | |
| Return on Equity | -1.33% | -1.17% | -1.75% | -15.99% | 4.06% | +539 bps | |
| Net Interest Margin | 3.17% | 3.05% | 3.12% | 3.19% | 3.05% | -12 bps | |
| Efficiency Ratio | 89.24% | 93.20% | 93.00% | 94.57% | 85.53% | -371 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.29% | 3.45% | 1.38% | -0.06% | -0.10% | -339 bps | |
| Loan Growth (YoY) | -1.18% | -3.15% | -1.00% | -1.12% | -1.05% | +12 bps | |
| Share Growth (YoY) | 3.58% | 3.51% | 2.30% | 1.73% | 1.83% | -175 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.12% | 4.18% | 4.02% | 4.14% | 6.63% | +251 bps | |
| Net Charge-Offs / Loans | 1.00% | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.77% | 0.76% | 0.97% | 3.56% | 3.60% | +283 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.73% | 12.54% | 12.69% | 11.36% | 11.13% | -159 bps | |
| Net Worth / Assets | 12.73% | 12.54% | 12.69% | 11.36% | 11.13% | -159 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |