Brooklyn, NY · Charter 78
NCUA · 1 branch
Q3 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2018, the quarter ended September 30, 2018, 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.
Brooklyn, NY · Charter 78
NCUA · 1 branch
Q3 2018
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 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.22% | 0.04% | -2.11% | -1.81% | -2.23% | -5.02% | -5.32% | -6.00% | -419 bps | |
| Return on Equity | 2.29% | 0.40% | -24.95% | -21.59% | -29.31% | -76.58% | -99.08% | -166.52% | -14,493 bps | |
| Net Interest Margin | 3.19% | 3.33% | 3.37% | 3.46% | 3.49% | 3.63% | 3.59% | 3.48% | +1 bps | |
| Efficiency Ratio | 68.49% | 71.51% | 71.70% | 69.63% | 69.03% | 61.99% | 67.41% | 140.17% | +7,053 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.61% | 0.58% | -1.83% | -3.11% | -3.77% | -7.48% | -8.49% | -7.12% | -401 bps | |
| Loan Growth (YoY) | 5.60% | 4.19% | 1.67% | -1.26% | -2.86% | -4.04% | -3.46% | -7.07% | -580 bps | |
| Share Growth (YoY) | -1.48% | 0.21% | -0.95% | -2.14% | -1.75% | -4.51% | -4.93% | -2.93% | -78 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.74% | 3.65% | 4.53% | 4.83% | 4.31% | 2.29% | 7.12% | 4.40% | -44 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 | 2.14% | 2.37% | 3.87% | 3.46% | 3.75% | 4.41% | 5.68% | 2.19% | -127 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.48% | 9.34% | 8.44% | 8.37% | 7.62% | 6.55% | 5.37% | 3.60% | -477 bps | |
| Net Worth / Assets | 9.48% | 9.34% | 8.44% | 8.37% | 7.62% | 6.55% | 5.37% | 3.60% | -477 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.87% | 96.76% | 97.58% | 97.34% | 97.76% | 97.24% | 99.09% | 93.19% | -415 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |