Richmond Hills, NY · Charter 24512
Q1 2006
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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.29% | -1.36% | -0.24% | -0.37% | -5.63% | -792 bps | |
| Return on Equity | 21.63% | -12.80% | -2.65% | -3.92% | -57.01% | -7,864 bps | |
| Net Interest Margin | 2.84% | 3.41% | 3.20% | 3.77% | 18.71% | +1,588 bps | |
| Efficiency Ratio | 25.51% | 137.98% | 106.91% | 109.08% | 127.23% | +10,172 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -19.80% | -31.39% | -14.70% | -27.60% | -18.22% | +158 bps | |
| Loan Growth (YoY) | -2.40% | -4.21% | -31.53% | -32.02% | -27.31% | -2,492 bps | |
| Share Growth (YoY) | -21.99% | -35.18% | -17.21% | -30.72% | -20.80% | +119 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 23.00% | 24.94% | 34.83% | 27.30% | 0.00% | -2,300 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.55% | 2.69% | 2.97% | 3.19% | 3.51% | +96 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.59% | 10.61% | 8.91% | 9.48% | 9.88% | -71 bps | |
| Net Worth / Assets | 10.59% | 10.61% | 8.91% | 9.48% | 9.88% | -71 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 29.46% | 32.33% | 24.64% | 25.82% | 27.03% | -242 bps | |
| Liquid Assets / Assets | 69.67% | 67.71% | 74.70% | 72.82% | 73.70% | +403 bps | |