Brooklyn, NY · Charter 24032
Q4 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2011, the quarter ended December 31, 2011, 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.
Brooklyn, NY · Charter 24032
Q4 2011
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 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.15% | 0.68% | -4.47% | -3.54% | -2.83% | -268 bps | |
| Return on Equity | -1.56% | 6.82% | -56.95% | -47.70% | -34.77% | -3,320 bps | |
| Net Interest Margin | 1.71% | 2.31% | 1.95% | 1.66% | 1.59% | -12 bps | |
| Efficiency Ratio | 98.75% | 75.09% | 318% | 300% | 261% | +16,220 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.98% | 7.37% | 4.41% | -3.53% | -10.69% | -1,167 bps | |
| Loan Growth (YoY) | 181.14% | -26.88% | -37.47% | -31.01% | -30.92% | -21,206 bps | |
| Share Growth (YoY) | 2.60% | 4.59% | 6.04% | -2.68% | -11.72% | -1,432 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.97% | 7.23% | 12.75% | 12.88% | 14.32% | +935 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.13% | 7.20% | 7.70% | 8.15% | 9.28% | +414 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.44% | 9.94% | 7.85% | 7.43% | 8.14% | -130 bps | |
| Net Worth / Assets | 9.44% | 9.94% | 7.85% | 7.43% | 8.14% | -130 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 14.86% | 13.58% | 12.80% | 12.05% | 11.63% | -323 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |