New York, NY · Charter 23969
Q3 2008
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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.27% | 2.96% | 2.00% | 3.88% | -124.30% | -12,757 bps | |
| Return on Equity | 10.06% | 9.61% | 7.77% | n/a | n/a | n/a | |
| Net Interest Margin | 6.78% | 6.45% | 11.19% | 7.57% | 9.12% | +234 bps | |
| Efficiency Ratio | 53.04% | 56.43% | 82.15% | 49.92% | 41.35% | -1,168 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -13.56% | 2.83% | -3.32% | -31.37% | -67.65% | -5,409 bps | |
| Loan Growth (YoY) | 48.00% | 2.53% | -3.03% | 6.06% | -68.19% | -11,619 bps | |
| Share Growth (YoY) | -22.95% | 0.42% | 5.47% | -36.33% | -43.80% | -2,085 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.70% | 2.53% | 76.30% | 81.53% | 29.72% | +2,702 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.26% | 5.85% | 6.40% | 6.50% | 12.01% | +575 bps | |
| Capital | |||||||
| Risk-Based Capital | 32.47% | 30.84% | 25.72% | -31.89% | -17.32% | -4,979 bps | |
| Net Worth / Assets | 32.47% | 30.84% | 25.72% | -31.89% | -17.32% | -4,979 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.24% | 82.57% | 77.95% | 118.87% | 47.12% | -3,613 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |