Yonkers, NY · Charter 8702
NCUA · 2 branches
Q4 2017
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 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.25% | 1.06% | 1.03% | 1.00% | -1.38% | -113 bps | |
| Return on Equity | -1.48% | 6.16% | 5.88% | 5.35% | -7.62% | -613 bps | |
| Net Interest Margin | 1.46% | 2.02% | 1.76% | 1.81% | -0.43% | -189 bps | |
| Efficiency Ratio | 64.14% | 47.41% | 54.52% | 53.48% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -20.50% | -19.97% | -22.04% | -17.87% | -12.89% | +761 bps | |
| Loan Growth (YoY) | 7.93% | 7.82% | 1.67% | -0.86% | 13.79% | +587 bps | |
| Share Growth (YoY) | -23.52% | -23.88% | -26.07% | -21.90% | -14.07% | +944 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 1.02% | 4.02% | +402 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.82% | 0.95% | 1.05% | 1.17% | 1.08% | +26 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.94% | 17.26% | 17.48% | 18.74% | 18.07% | +113 bps | |
| Net Worth / Assets | 16.94% | 17.26% | 17.48% | 18.74% | 18.07% | +113 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 25.22% | 25.91% | 25.76% | 26.97% | 33.40% | +818 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |