Bronx, NY · Charter 21451
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 2005, 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.
Bronx, NY · Charter 21451
Q4 2005
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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.14% | -3.36% | -6.53% | -0.05% | 0.00% | -114 bps | |
| Return on Equity | 4.06% | -11.29% | -23.84% | -0.18% | 0.00% | -406 bps | |
| Net Interest Margin | 2.78% | 0.63% | 0.65% | 0.54% | 0.00% | -278 bps | |
| Efficiency Ratio | 60.67% | 630% | 1103% | 109.29% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -0.17% | -10.10% | -11.48% | -9.73% | -98.74% | -9,856 bps | |
| Loan Growth (YoY) | -20.51% | -100.00% | -100.00% | -100.00% | -100.00% | -7,949 bps | |
| Share Growth (YoY) | -1.88% | -13.69% | -12.36% | -9.56% | -100.00% | -9,812 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | n/a | 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 | 10.34% | n/a | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Risk-Based Capital | 27.97% | 29.76% | 27.39% | 27.19% | 100.00% | +7,203 bps | |
| Net Worth / Assets | 27.97% | 29.76% | 27.39% | 27.19% | 100.00% | +7,203 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 11.34% | 0.00% | 0.00% | 0.00% | n/a | n/a | |
| Liquid Assets / Assets | 89.65% | 99.20% | 99.20% | 99.20% | 78.95% | -1,070 bps | |