Brooklyn, NY · Charter 22590
Q3 2003
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.18% | 0.22% | -1.97% | -1.78% | -1.53% | -171 bps | |
| Return on Equity | 1.27% | 1.54% | -14.15% | -12.03% | -9.93% | -1,120 bps | |
| Net Interest Margin | 0.49% | 4.00% | 2.72% | 2.84% | 2.85% | +235 bps | |
| Efficiency Ratio | 63.79% | 94.61% | 167.78% | 159.25% | 151.72% | +8,794 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -23.53% | -11.71% | -16.00% | -12.31% | -14.67% | +886 bps | |
| Loan Growth (YoY) | -30.22% | -41.80% | -61.14% | -49.77% | -26.84% | +338 bps | |
| Share Growth (YoY) | -27.65% | -12.76% | -18.22% | -13.78% | -15.93% | +1,171 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.48% | 10.00% | 20.38% | 21.84% | 30.13% | +2,065 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.41% | 2.69% | 2.64% | 2.94% | 3.30% | +89 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.11% | 14.28% | 13.89% | 14.83% | 15.44% | +133 bps | |
| Net Worth / Assets | 14.11% | 14.28% | 13.89% | 14.83% | 15.44% | +133 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 25.90% | 23.39% | 23.95% | 23.79% | 22.54% | -336 bps | |
| Liquid Assets / Assets | 76.77% | 78.82% | 78.49% | 78.76% | 79.91% | +314 bps | |