New York, NY · Charter 63906
NCUA · 1 branch
Q2 2021
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 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.51% | -1.81% | -2.46% | -2.67% | -3.83% | -333 bps | |
| Return on Equity | -10.14% | -39.05% | -70.77% | -96.94% | -259% | -24,865 bps | |
| Net Interest Margin | 4.68% | 4.67% | 4.17% | 2.59% | 2.47% | -221 bps | |
| Efficiency Ratio | 99.78% | 116.10% | 132.55% | 156.93% | 181.22% | +8,144 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.16% | 2.19% | 1.41% | -1.40% | -9.16% | -2,032 bps | |
| Loan Growth (YoY) | -28.10% | -40.38% | -37.73% | -38.22% | -27.90% | +21 bps | |
| Share Growth (YoY) | 13.55% | 4.37% | 3.09% | 2.12% | -5.80% | -1,935 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 2.06% | 2.24% | 2.38% | 1.77% | 2.14% | +7 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.02% | 4.63% | 3.48% | 2.76% | 1.48% | -354 bps | |
| Net Worth / Assets | 5.02% | 4.63% | 3.48% | 2.76% | 1.48% | -354 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 30.35% | 28.65% | 28.70% | 24.76% | 23.23% | -712 bps | |
| Liquid Assets / Assets | 98.29% | 0.00% | 0.00% | 0.00% | 0.00% | -9,829 bps | |