New York, NY · Charter 22351
NCUA · 1 branch
Q1 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2019, the quarter ended March 31, 2019, 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.
New York, NY · Charter 22351
NCUA · 1 branch
Q1 2019
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 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.41% | 0.56% | 0.68% | 0.69% | -6.62% | -703 bps | |
| Return on Equity | 2.96% | 3.83% | 4.52% | 4.38% | -48.04% | -5,100 bps | |
| Net Interest Margin | 2.95% | 3.08% | 3.20% | 3.30% | 3.22% | +28 bps | |
| Efficiency Ratio | 86.05% | 82.11% | 78.05% | 77.72% | 271% | +18,457 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.95% | -3.86% | -2.59% | -4.73% | -6.14% | -120 bps | |
| Loan Growth (YoY) | 4.57% | 8.51% | 5.34% | 2.90% | -3.65% | -822 bps | |
| Share Growth (YoY) | -6.33% | -5.17% | -3.78% | -6.27% | -7.18% | -84 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.10% | 0.70% | 0.44% | 0.23% | 0.02% | -9 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.27% | 0.28% | 0.28% | 0.27% | 0.33% | +6 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.92% | 14.69% | 15.06% | 15.71% | 13.78% | -13 bps | |
| Net Worth / Assets | 13.92% | 14.69% | 15.06% | 15.71% | 13.78% | -13 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 53.15% | 56.95% | 57.63% | 59.50% | 55.17% | +202 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |