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St. Peter's Yonkers

Yonkers, NY · Charter 68541

Q3 2005

$697KAssets
$10KLoans
$597KShares
$100KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -1.03%; NIM at 3.01%.
  • Asset quality: problem loans at 7.17% of loans.
  • Capital: net worth / assets of 14.28%.
  • Funding: loans stand at 1.71% of shares as of Q3 2005.

Financial Results

Return on Assets (quarter, annualized)

-1.03%

Net Interest Margin (quarter, annualized)

3.01%

Efficiency Ratio (quarter, annualized)

114.50%

Net Worth / Assets

14.28%

Discrete quarter, annualized.

MetricQ3 2005YoY ΔTrend
Earnings
Return on Assets-1.03%n/an/a
Return on Equity-7.18%n/an/a
Net Interest Margin3.01%n/an/a
Efficiency Ratio114.50%n/an/a
Growth
Asset Growth (YoY)n/an/an/a
Loan Growth (YoY)n/an/an/a
Share Growth (YoY)n/an/an/a
Asset Quality
Delinquent Loans / Loans7.17%n/an/a
Net Charge-Offs / Loansn/an/an/a
Allowance / Loans27.95%n/an/a
Capital
Risk-Based Capital14.28%n/an/a
Net Worth / Assets14.28%n/an/a
Liquidity & Funding
Loans / Shares1.71%n/an/a
Liquid Assets / Assets97.61%n/an/a