Hempstead, NY · Charter 24598
NCUA · 1 branch
Q3 2023
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 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.06% | -58.10% | -48.76% | -38.71% | -32.07% | -2,801 bps | |
| Return on Equity | -89.77% | -153.39% | -133.45% | -119.13% | -107.49% | -1,772 bps | |
| Net Interest Margin | 0.83% | -0.91% | 1.18% | 0.83% | -0.31% | -114 bps | |
| Efficiency Ratio | 370% | 1178% | 485% | 631% | 871% | +50,134 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.26% | -92.51% | -94.19% | -94.51% | -94.46% | -8,620 bps | |
| Loan Growth (YoY) | -100.00% | -100.00% | -100.00% | -100.00% | n/a | n/a | |
| Share Growth (YoY) | -5.41% | -98.92% | -100.00% | -100.00% | -100.00% | -9,459 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Risk-Based Capital | 4.52% | 37.88% | 36.54% | 32.49% | 29.83% | +2,531 bps | |
| Net Worth / Assets | 4.52% | 37.88% | 36.54% | 32.49% | 29.83% | +2,531 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 0.00% | 0.00% | n/a | n/a | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |