Spring Valley, NY · Charter 60308
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 31, 2015, 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.
Spring Valley, NY · Charter 60308
Q1 2015
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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.77% | 0.38% | 0.34% | 0.19% | 0.48% | -29 bps | |
| Return on Equity | 13.44% | 6.71% | 5.26% | 2.87% | 7.76% | -568 bps | |
| Net Interest Margin | 3.12% | 3.07% | 3.52% | 3.62% | 3.20% | +8 bps | |
| Efficiency Ratio | 82.94% | 87.40% | 87.99% | 92.46% | 89.28% | +634 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.89% | -3.11% | -3.98% | -4.04% | -6.11% | -223 bps | |
| Loan Growth (YoY) | 9.54% | 1.69% | 1.91% | 8.83% | 2.73% | -682 bps | |
| Share Growth (YoY) | -4.25% | -3.46% | -4.50% | -4.54% | -6.62% | -237 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.23% | 0.77% | 0.48% | 1.05% | 1.67% | +44 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.18% | 0.25% | 0.24% | 0.24% | 0.26% | +9 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.72% | 5.64% | 6.45% | 6.48% | 6.23% | +50 bps | |
| Net Worth / Assets | 5.72% | 5.64% | 6.45% | 6.48% | 6.23% | +50 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 26.42% | 26.77% | 31.62% | 33.67% | 29.07% | +264 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |