Bronxville, NY · Charter 3653
NCUA · 2 branches
Q3 2024
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 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.24% | 0.11% | 0.11% | 0.11% | 0.16% | -9 bps | |
| Return on Equity | 2.70% | 1.19% | 1.19% | 1.21% | 1.53% | -118 bps | |
| Net Interest Margin | 1.02% | 0.96% | 1.08% | 1.07% | 1.21% | +19 bps | |
| Efficiency Ratio | 79.06% | 89.74% | 89.81% | 89.49% | 86.95% | +789 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.64% | -9.80% | -12.90% | -13.06% | -12.56% | -592 bps | |
| Loan Growth (YoY) | 21.33% | 23.42% | 21.27% | 25.11% | 20.73% | -60 bps | |
| Share Growth (YoY) | -7.56% | -11.17% | -14.12% | -14.37% | -13.92% | -636 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.48% | 0.41% | 0.00% | 0.00% | 0.00% | -48 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.46% | 0.44% | 0.44% | 0.40% | 0.39% | -8 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.02% | 9.17% | 9.25% | 9.27% | 10.35% | +133 bps | |
| Net Worth / Assets | 9.02% | 9.17% | 9.25% | 9.27% | 10.35% | +133 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 26.64% | 28.99% | 29.08% | 32.23% | 37.37% | +1,072 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |