New York, NY · Charter 2184
Q1 2015
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 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.23% | -3.01% | -3.54% | -3.30% | -4.35% | -112 bps | |
| Return on Equity | -32.29% | -27.55% | -29.91% | -21.58% | -37.68% | -539 bps | |
| Net Interest Margin | 0.11% | 0.15% | 0.23% | 0.24% | 0.14% | +4 bps | |
| Efficiency Ratio | 3168% | 992% | 1009% | 965% | 3108% | -5,946 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.70% | -9.02% | -28.46% | -31.32% | -25.96% | -2,027 bps | |
| Loan Growth (YoY) | -78.04% | -22.66% | -20.19% | 7.65% | -9.53% | +6,851 bps | |
| Share Growth (YoY) | -3.08% | -8.24% | -29.89% | -33.51% | -27.48% | -2,441 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 100.00% | 49.81% | 0.00% | 0.00% | 0.00% | -10,000 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 116.42% | 32.38% | 39.72% | 50.20% | 69.75% | -4,667 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.99% | 10.93% | 11.83% | 15.28% | 11.54% | +154 bps | |
| Net Worth / Assets | 9.99% | 10.93% | 11.83% | 15.28% | 11.54% | +154 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 2.33% | 4.79% | 4.60% | 3.85% | 2.90% | +58 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |