Purchase, NY · Charter 23381
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 31, 2014, 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.
Purchase, NY · Charter 23381
Q4 2014
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 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.18% | 0.22% | 0.13% | 0.16% | 0.10% | -8 bps | |
| Return on Equity | 1.59% | 2.15% | 1.16% | 1.15% | 0.71% | -88 bps | |
| Net Interest Margin | 1.84% | 1.57% | 1.73% | 2.04% | 2.06% | +22 bps | |
| Efficiency Ratio | 89.48% | 89.39% | 94.19% | 94.14% | 94.80% | +532 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.87% | 2.70% | -10.10% | -20.24% | -16.44% | -2,331 bps | |
| Loan Growth (YoY) | -3.46% | -9.88% | -9.00% | -11.40% | -9.36% | -590 bps | |
| Share Growth (YoY) | 7.68% | 2.96% | -11.41% | -24.31% | -21.84% | -2,952 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.52% | 0.71% | 0.51% | 1.28% | 0.38% | -14 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.63% | 0.58% | 0.54% | 0.56% | 0.47% | -16 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.58% | 10.19% | 11.43% | 13.69% | 13.96% | +238 bps | |
| Net Worth / Assets | 11.58% | 10.19% | 11.43% | 13.69% | 13.96% | +238 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 45.01% | 36.36% | 40.60% | 49.75% | 52.20% | +719 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |