New York, NY · Charter 7883
NCUA · 2 branches
Q2 2019
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 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.56% | 0.84% | 0.41% | 1.96% | -2.48% | -305 bps | |
| Return on Equity | 1.29% | 1.87% | 0.91% | 4.33% | -5.65% | -694 bps | |
| Net Interest Margin | 0.99% | 1.72% | 1.44% | 1.20% | 1.39% | +40 bps | |
| Efficiency Ratio | 43.90% | 51.32% | 71.68% | 80.97% | 102.27% | +5,837 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.27% | -7.73% | -6.41% | -3.61% | -7.88% | +39 bps | |
| Loan Growth (YoY) | 13.72% | -7.73% | -12.32% | -19.49% | -49.74% | -6,346 bps | |
| Share Growth (YoY) | -14.74% | -13.09% | -10.81% | -7.00% | -8.37% | +637 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 12.17% | 14.54% | 15.57% | 5.49% | 18.58% | +641 bps | |
| Capital | |||||||
| Risk-Based Capital | 43.57% | 45.14% | 45.17% | 45.31% | 43.94% | +37 bps | |
| Net Worth / Assets | 43.57% | 45.14% | 45.17% | 45.31% | 43.94% | +37 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |