New York, NY · Charter 63231
Q4 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 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.93% | 2.05% | -2.29% | -1.18% | -10.92% | -1,284 bps | |
| Return on Equity | 14.79% | 16.63% | -22.13% | -11.20% | -626% | -64,093 bps | |
| Net Interest Margin | 2.92% | 3.14% | 2.56% | 2.46% | 2.56% | -36 bps | |
| Efficiency Ratio | 41.30% | 36.79% | 39.48% | 45.91% | 50.91% | +961 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.76% | 6.86% | 8.58% | 7.14% | -4.06% | -1,182 bps | |
| Loan Growth (YoY) | 7.22% | 11.57% | 9.03% | 9.30% | 4.62% | -260 bps | |
| Share Growth (YoY) | 5.94% | 6.36% | 11.36% | 10.16% | 8.58% | +264 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.62% | 1.90% | 2.96% | 9.79% | 24.39% | +2,278 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.28% | 1.21% | 3.33% | 3.36% | 13.25% | +1,297 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.03% | 12.32% | 10.35% | 10.54% | 1.74% | -1,128 bps | |
| Net Worth / Assets | 13.03% | 12.32% | 10.35% | 10.54% | 1.74% | -1,128 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 108.76% | 111.02% | 105.20% | 104.02% | 104.79% | -397 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |