New Rochelle, NY · Charter 6107
Q4 2013
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.08% | -2.16% | -1.34% | -1.74% | -1.51% | +157 bps | |
| Return on Equity | -20.84% | -15.20% | -9.51% | -10.54% | -8.86% | +1,198 bps | |
| Net Interest Margin | 3.06% | 2.45% | 2.32% | 2.56% | 2.46% | -61 bps | |
| Efficiency Ratio | 94.00% | 113.80% | 118.49% | 124.16% | 127.16% | +3,316 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.89% | 1.65% | 3.02% | -18.71% | -17.08% | -1,898 bps | |
| Loan Growth (YoY) | -28.01% | -31.07% | -33.20% | -40.27% | -39.95% | -1,195 bps | |
| Share Growth (YoY) | 8.82% | 9.35% | 9.57% | -18.69% | -19.26% | -2,808 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 11.85% | 16.56% | 29.26% | 21.18% | 7.66% | -419 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.41% | 6.89% | 7.45% | 8.31% | 10.09% | +568 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.76% | 14.18% | 14.07% | 16.48% | 16.99% | +223 bps | |
| Net Worth / Assets | 14.76% | 14.18% | 14.07% | 16.48% | 16.99% | +223 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 32.60% | 28.52% | 26.32% | 27.91% | 24.25% | -836 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |