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St. Peter's Yonkers

Yonkers, NY · Charter 68548

Q4 2005

$590KAssets
$7KLoans
$489KShares
$101KNet 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 -0.72%; NIM at 3.41%.
  • Asset quality: problem loans at 3.67% of loans.
  • Capital: net worth / assets of 17.05%.
  • Funding: loans stand at 1.41% of shares as of Q4 2005.

Financial Results

Return on Assets (quarter, annualized)

-0.72%

Net Interest Margin (quarter, annualized)

3.41%

Efficiency Ratio (quarter, annualized)

108.99%

Net Worth / Assets

17.05%

Discrete quarter, annualized.

MetricQ4 2005YoY ΔTrend
Earnings
Return on Assets-0.72%n/an/a
Return on Equity-4.25%n/an/a
Net Interest Margin3.41%n/an/a
Efficiency Ratio108.99%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 / Loans3.67%n/an/a
Net Charge-Offs / Loansn/an/an/a
Allowance / Loans33.08%n/an/a
Capital
Risk-Based Capital17.05%n/an/a
Net Worth / Assets17.05%n/an/a
Liquidity & Funding
Loans / Shares1.41%n/an/a
Liquid Assets / Assets97.71%n/an/a