Nanuet, NY · Charter 22548
NCUA · 7 branches
Q2 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2017, the quarter ended June 30, 2017, 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.
Nanuet, NY · Charter 22548
NCUA · 7 branches
Q2 2017
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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.11% | -1.11% | -0.38% | -0.36% | -2.05% | -3.14% | -8.63% | -4.51% | -415 bps | |
| Return on Equity | -1.13% | -12.58% | -4.32% | -4.22% | -26.15% | -47.80% | -192.11% | -104.42% | -10,020 bps | |
| Net Interest Margin | 3.67% | 3.56% | 3.40% | 3.38% | 3.61% | 3.68% | 3.61% | 3.50% | +12 bps | |
| Efficiency Ratio | 101.93% | 105.41% | 108.30% | 107.78% | 107.00% | 108.64% | 189.25% | 145.97% | +3,819 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.54% | 8.60% | 1.72% | 2.76% | -3.12% | -9.21% | -9.33% | -9.70% | -1,246 bps | |
| Loan Growth (YoY) | 2.72% | 2.26% | 8.68% | 6.29% | 2.31% | 6.41% | 1.87% | 0.60% | -568 bps | |
| Share Growth (YoY) | 3.47% | 7.03% | 3.95% | 4.34% | -0.84% | -7.12% | -5.21% | -5.80% | -1,014 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.67% | 4.04% | 7.57% | 10.26% | 10.21% | 7.45% | 11.78% | 9.79% | -48 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.66% | 2.08% | 1.83% | 1.74% | 1.67% | 2.66% | 6.21% | 6.34% | +460 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.14% | 8.80% | 8.82% | 8.60% | 7.84% | 6.56% | 4.49% | 4.32% | -428 bps | |
| Net Worth / Assets | 10.14% | 8.80% | 8.82% | 8.60% | 7.84% | 6.56% | 4.49% | 4.32% | -428 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.87% | 61.28% | 65.66% | 63.69% | 66.93% | 70.21% | 70.56% | 68.02% | +433 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |