New York, NY · Charter 60064
NCUA · 1 branch
Q4 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2018, the quarter ended December 31, 2018, 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 60064
NCUA · 1 branch
Q4 2018
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 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -18.80% | -17.61% | -17.48% | -16.86% | 3.09% | -8.48% | -18.55% | -31.63% | -1,477 bps | |
| Return on Equity | -60.45% | -60.05% | -67.82% | -72.47% | 13.84% | -44.65% | -159.45% | n/a | n/a | |
| Net Interest Margin | 2.56% | 2.55% | 2.45% | 2.50% | 2.04% | 2.15% | 2.11% | 2.57% | +7 bps | |
| Efficiency Ratio | 77.72% | 165.58% | 158.17% | 152.04% | 42.27% | 84.07% | 139.13% | 182.04% | +3,000 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.30% | -19.40% | -14.86% | -18.60% | -14.04% | -17.15% | -23.66% | -32.99% | -1,440 bps | |
| Loan Growth (YoY) | -16.50% | -20.06% | -22.72% | -23.39% | -14.14% | -16.65% | -15.64% | -15.31% | +809 bps | |
| Share Growth (YoY) | -1.86% | -9.10% | -8.11% | -4.51% | -3.89% | -2.78% | -8.30% | -16.30% | -1,179 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 9.16% | 12.24% | 15.81% | 19.01% | 19.55% | 21.18% | 24.75% | 26.70% | +769 bps | |
| 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 | 12.45% | 14.15% | 16.37% | 18.62% | 21.28% | 21.37% | 27.42% | 36.81% | +1,819 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 31.11% | 29.32% | 25.77% | 23.27% | 22.30% | 19.00% | 11.64% | -1.59% | -2,486 bps | |
| Net Worth / Assets | 31.11% | 29.32% | 25.77% | 23.27% | 22.30% | 19.00% | 11.64% | -1.59% | -2,486 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 173.00% | 175.05% | 165.58% | 153.76% | 154.53% | 150.07% | 152.33% | 155.58% | +182 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |