Woodside, NY · Charter 62005
NCUA · 1 branch
Q2 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 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.82% | -5.54% | -8.95% | -7.20% | -15.94% | -21.31% | -36.82% | -30.61% | -2,341 bps | |
| Return on Equity | -51.30% | -96.52% | -239% | -266% | n/a | n/a | n/a | n/a | n/a | |
| Net Interest Margin | 1.59% | 1.69% | 1.57% | 1.62% | 1.69% | 1.79% | 1.45% | 1.48% | -14 bps | |
| Efficiency Ratio | 72.28% | 64.25% | 61.97% | 73.29% | 100.68% | 154.91% | n/a | 263% | +19,010 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.50% | -7.10% | -11.29% | -15.50% | -23.44% | -23.58% | -29.26% | -30.77% | -1,527 bps | |
| Loan Growth (YoY) | -12.80% | -12.12% | -13.94% | -11.86% | -4.37% | -18.26% | -19.70% | -26.67% | -1,481 bps | |
| Share Growth (YoY) | 6.50% | 0.45% | -3.60% | -10.38% | -14.34% | -12.12% | -16.24% | -16.81% | -643 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 24.12% | 28.64% | 33.71% | 37.85% | 40.01% | 33.15% | 32.74% | 28.88% | -897 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 | 5.85% | 8.52% | 10.98% | 12.38% | 19.54% | 16.61% | 22.28% | 20.86% | +848 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.45% | 5.74% | 3.75% | 2.70% | -5.10% | -13.80% | -24.76% | -32.04% | -3,475 bps | |
| Net Worth / Assets | 7.45% | 5.74% | 3.75% | 2.70% | -5.10% | -13.80% | -24.76% | -32.04% | -3,475 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 101.83% | 108.47% | 108.46% | 112.21% | 113.67% | 100.90% | 103.98% | 98.90% | -1,330 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |