New York, NY · Charter 4599
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
New York, NY · Charter 4599
Q3 2010
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 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.50% | -1.26% | -1.66% | -2.04% | -2.90% | -240 bps | |
| Return on Equity | -1.33% | -3.41% | -4.47% | -5.41% | -6.42% | -509 bps | |
| Net Interest Margin | 2.21% | 1.94% | 1.79% | 1.71% | 0.64% | -156 bps | |
| Efficiency Ratio | 97.86% | 115.75% | 135.38% | 219% | 510% | +41,244 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.08% | 2.14% | -1.21% | -5.23% | -69.61% | -7,069 bps | |
| Loan Growth (YoY) | 274% | 311% | 75.66% | -25.13% | -100.00% | -37,387 bps | |
| Share Growth (YoY) | 5.46% | 5.82% | -0.13% | -6.41% | -74.42% | -7,988 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.61% | 0.00% | 17.83% | 2.21% | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.32% | 0.34% | 0.47% | 0.51% | n/a | n/a | |
| Capital | |||||||
| Risk-Based Capital | 37.55% | 36.97% | 37.22% | 37.73% | 45.21% | +766 bps | |
| Net Worth / Assets | 37.55% | 36.97% | 37.22% | 37.73% | 45.21% | +766 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 22.80% | 21.79% | 21.11% | 15.42% | 0.00% | -2,280 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |