Bronx, NY · Charter 24740
NCUA · 1 branch
Q2 2017
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 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.06% | -10.88% | -9.24% | 1.59% | 2.42% | +348 bps | |
| Return on Equity | -10.89% | -453% | -357% | 37.86% | 49.16% | +6,005 bps | |
| Net Interest Margin | 1.85% | 2.15% | 1.81% | 5.18% | 4.09% | +224 bps | |
| Efficiency Ratio | 154.83% | 583% | 590% | 69.40% | 42.11% | -11,272 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.96% | -18.32% | -12.48% | -42.80% | -39.66% | -3,370 bps | |
| Loan Growth (YoY) | 13.65% | 12.65% | -36.46% | -9.87% | -33.36% | -4,701 bps | |
| Share Growth (YoY) | -2.62% | -8.47% | -4.91% | -39.93% | -36.51% | -3,389 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.65% | 2.66% | 64.92% | 9.46% | 0.00% | -565 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 31.08% | 32.65% | 52.81% | 43.36% | 46.63% | +1,555 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.71% | 2.40% | 2.59% | 4.19% | 4.93% | -478 bps | |
| Net Worth / Assets | 9.71% | 2.40% | 2.59% | 4.19% | 4.93% | -478 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 24.98% | 24.57% | 15.75% | 28.56% | 26.22% | +124 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |