Holbrook, NY · Charter 8814
Q4 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2013, the quarter ended December 31, 2013, 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.
Holbrook, NY · Charter 8814
Q4 2013
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 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -27.21% | -68.08% | 35.79% | -17.41% | -95.69% | -6,848 bps | |
| Return on Equity | -365% | -709% | 105.70% | -184.26% | -1295% | -92,926 bps | |
| Net Interest Margin | 9.63% | 1.66% | 0.68% | 0.73% | 2.56% | -706 bps | |
| Efficiency Ratio | 301% | 1355% | 86.49% | 107.86% | 111.25% | -18,992 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -82.54% | -93.54% | -84.55% | -82.48% | -92.77% | -1,024 bps | |
| Loan Growth (YoY) | -61.52% | -98.06% | -99.20% | -100.00% | -100.00% | -3,848 bps | |
| Share Growth (YoY) | -82.70% | -93.77% | -89.45% | -83.24% | -92.75% | -1,006 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.54% | 12.11% | 0.00% | n/a | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.27% | 28.36% | 0.00% | n/a | n/a | n/a | |
| Capital | |||||||
| Risk-Based Capital | 7.45% | 9.60% | 33.86% | 9.45% | 7.39% | -6 bps | |
| Net Worth / Assets | 7.45% | 9.60% | 33.86% | 9.45% | 7.39% | -6 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.11% | 8.39% | 2.57% | 0.00% | 0.00% | -5,111 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |