Yonkers, NY · Charter 63918
NCUA · 1 branch
Q2 2023
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 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.54% | 0.43% | 0.42% | -2.11% | -1.59% | -212 bps | |
| Return on Equity | 2.93% | 2.33% | 2.19% | -10.91% | -7.89% | -1,082 bps | |
| Net Interest Margin | 2.31% | 2.39% | 2.58% | 3.15% | 3.13% | +83 bps | |
| Efficiency Ratio | 84.68% | 87.36% | 87.87% | 121.04% | 101.60% | +1,692 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.51% | 0.99% | -1.95% | -5.20% | -11.54% | -1,004 bps | |
| Loan Growth (YoY) | -11.23% | -5.43% | 0.92% | 2.48% | -0.96% | +1,027 bps | |
| Share Growth (YoY) | -1.52% | 1.37% | -2.09% | -5.61% | -13.57% | -1,205 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.91% | 6.39% | 8.37% | 7.43% | 5.10% | +19 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 9.33% | 8.85% | 7.39% | 9.75% | 11.97% | +263 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.33% | 18.30% | 19.10% | 19.33% | 20.09% | +175 bps | |
| Net Worth / Assets | 18.33% | 18.30% | 19.10% | 19.33% | 20.09% | +175 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 20.31% | 21.41% | 22.16% | 21.93% | 23.27% | +296 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |