New York, NY · Charter 5022
NCUA · 1 branch
Q4 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2017, the quarter ended December 31, 2017, 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 5022
NCUA · 1 branch
Q4 2017
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 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.27% | -3.13% | -7.65% | -9.35% | -8.88% | -3878% | -794% | -4442% | -443,236 bps | |
| Return on Equity | -21.63% | -21.56% | -69.65% | -62.74% | -67.68% | -3878% | -5196% | -4442% | -437,897 bps | |
| Net Interest Margin | 0.69% | 0.62% | 0.43% | 0.80% | 0.05% | -3034% | -606% | -3379% | -337,994 bps | |
| Efficiency Ratio | 571% | 599% | 1860% | 1283% | 16487% | n/a | n/a | 14890% | +1,360,692 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -22.34% | -16.48% | -8.25% | -34.51% | -36.12% | -99.52% | -98.32% | -99.67% | -6,516 bps | |
| Loan Growth (YoY) | -86.96% | -98.77% | -96.89% | -100.00% | -100.00% | -100.00% | -100.00% | n/a | n/a | |
| Share Growth (YoY) | -22.77% | -15.89% | -3.26% | -34.25% | -34.25% | -100.00% | -100.00% | -100.00% | -6,575 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.02% | 100.00% | 100.00% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 14.07% | 234% | 234% | n/a | n/a | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 15.13% | 14.50% | 10.99% | 14.90% | 13.12% | 100.00% | 15.28% | 100.00% | +8,510 bps | |
| Net Worth / Assets | 15.13% | 14.50% | 10.99% | 14.90% | 13.12% | 100.00% | 15.28% | 100.00% | +8,510 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 0.87% | 0.05% | 0.05% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |