Bronx, NY · Charter 5263
NCUA · 1 branch
Q2 2020
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 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.92% | -3.97% | -3.01% | 0.17% | 0.45% | +337 bps | |
| Return on Equity | -35.82% | -59.66% | -46.49% | 2.53% | 5.95% | +4,178 bps | |
| Net Interest Margin | 0.47% | 0.46% | 0.44% | 0.67% | 0.73% | +26 bps | |
| Efficiency Ratio | 722% | 962% | 780% | 74.53% | 37.74% | -68,391 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.46% | -0.55% | 0.70% | -3.01% | -10.92% | -346 bps | |
| Loan Growth (YoY) | -30.00% | -33.34% | -40.48% | -50.86% | -61.68% | -3,169 bps | |
| Share Growth (YoY) | -5.08% | 3.76% | 4.13% | -1.57% | -10.37% | -530 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 34.09% | 99.95% | 83.59% | 90.39% | 41.73% | +764 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 18.68% | 23.11% | 22.47% | 31.29% | 48.75% | +3,007 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.16% | 6.66% | 6.48% | 6.80% | 7.59% | -56 bps | |
| Net Worth / Assets | 8.16% | 6.66% | 6.48% | 6.80% | 7.59% | -56 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 2.88% | 2.30% | 2.32% | 1.74% | 1.23% | -165 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |