Bronx, NY · Charter 20997
Q4 2004
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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.15% | 0.34% | 0.54% | -0.02% | -0.07% | +108 bps | |
| Return on Equity | -5.62% | 1.67% | 2.61% | -0.11% | -0.31% | +532 bps | |
| Net Interest Margin | 2.72% | 2.66% | 1.89% | 2.04% | 2.65% | -7 bps | |
| Efficiency Ratio | 99.41% | 102.54% | 141.34% | 145.18% | 114.59% | +1,517 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.06% | -13.19% | -9.33% | -5.30% | -10.05% | +101 bps | |
| Loan Growth (YoY) | -14.29% | -49.23% | -78.77% | -84.39% | -56.04% | -4,176 bps | |
| Share Growth (YoY) | -12.50% | -15.30% | -10.52% | -4.73% | -12.13% | +37 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 13.74% | 28.05% | 2.55% | +255 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.87% | 9.06% | 6.41% | 9.33% | 4.91% | -96 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.38% | 20.36% | 20.65% | 21.56% | 22.26% | +188 bps | |
| Net Worth / Assets | 20.38% | 20.36% | 20.65% | 21.56% | 22.26% | +188 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 18.91% | 10.99% | 4.64% | 4.05% | 9.46% | -945 bps | |
| Liquid Assets / Assets | 78.58% | 85.32% | 91.66% | 94.34% | 88.17% | +959 bps | |