New York, NY · Charter 7883
NCUA · 2 branches
Q2 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2019, the quarter ended June 30, 2019, 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.
New York, NY · Charter 7883
NCUA · 2 branches
Q2 2019
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 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.16% | -1.00% | 0.08% | 0.56% | 0.84% | 0.41% | 1.96% | -2.48% | -305 bps | |
| Return on Equity | -2.81% | -2.39% | 0.19% | 1.29% | 1.87% | 0.91% | 4.33% | -5.65% | -694 bps | |
| Net Interest Margin | 1.38% | 1.18% | 1.02% | 0.99% | 1.72% | 1.44% | 1.20% | 1.39% | +40 bps | |
| Efficiency Ratio | -1.62% | 18.43% | 92.04% | 43.90% | 51.32% | 71.68% | 80.97% | 102.27% | +5,837 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.64% | -10.92% | -8.81% | -8.27% | -7.73% | -6.41% | -3.61% | -7.88% | +39 bps | |
| Loan Growth (YoY) | -9.08% | -15.76% | -15.58% | 13.72% | -7.73% | -12.32% | -19.49% | -49.74% | -6,346 bps | |
| Share Growth (YoY) | -17.42% | -16.97% | -15.98% | -14.74% | -13.09% | -10.81% | -7.00% | -8.37% | +637 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.61% | 5.65% | 17.71% | 71.84% | 17.36% | 35.47% | 14.62% | 24.73% | -4,711 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 | 13.42% | 13.66% | 14.41% | 12.17% | 14.54% | 15.57% | 5.49% | 18.58% | +641 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 41.29% | 42.01% | 42.94% | 43.57% | 45.14% | 45.17% | 45.31% | 43.94% | +37 bps | |
| Net Worth / Assets | 41.29% | 42.01% | 42.94% | 43.57% | 45.14% | 45.17% | 45.31% | 43.94% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 14.69% | 14.92% | 14.68% | 17.61% | 15.60% | 14.67% | 12.71% | 9.66% | -795 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |