New York, NY · Charter 63906
NCUA · 1 branch
Q2 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2021, the quarter ended June 30, 2021, 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 63906
NCUA · 1 branch
Q2 2021
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 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.51% | -0.42% | -0.28% | -0.51% | -1.81% | -2.46% | -2.67% | -3.83% | -333 bps | |
| Return on Equity | -8.22% | -6.94% | -4.89% | -10.14% | -39.05% | -70.77% | -96.94% | -259% | -24,865 bps | |
| Net Interest Margin | 6.52% | 6.39% | 5.73% | 4.68% | 4.67% | 4.17% | 2.59% | 2.47% | -221 bps | |
| Efficiency Ratio | 103.26% | 105.66% | 87.36% | 99.78% | 116.10% | 132.55% | 156.93% | 181.22% | +8,144 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.11% | -0.61% | 1.79% | 11.16% | 2.19% | 1.41% | -1.40% | -9.16% | -2,032 bps | |
| Loan Growth (YoY) | -8.16% | -6.88% | -11.05% | -28.10% | -40.38% | -37.73% | -38.22% | -27.90% | +21 bps | |
| Share Growth (YoY) | 0.06% | 0.84% | 2.53% | 13.55% | 4.37% | 3.09% | 2.12% | -5.80% | -1,935 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.34% | 2.72% | 2.20% | 3.78% | 5.48% | 4.30% | 2.47% | 3.26% | -52 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 | 2.38% | 2.03% | 1.94% | 2.06% | 2.24% | 2.38% | 1.77% | 2.14% | +7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.16% | 6.03% | 5.70% | 5.02% | 4.63% | 3.48% | 2.76% | 1.48% | -354 bps | |
| Net Worth / Assets | 6.16% | 6.03% | 5.70% | 5.02% | 4.63% | 3.48% | 2.76% | 1.48% | -354 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.15% | 47.51% | 40.93% | 30.35% | 28.65% | 28.70% | 24.76% | 23.23% | -712 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 98.19% | 98.29% | 0.00% | 0.00% | 0.00% | 0.00% | -9,829 bps | |