New York, NY · Charter 8950
NCUA · 3 branches
Q3 2021
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 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.76% | -1.31% | -1.73% | -1.70% | -4.01% | -325 bps | |
| Return on Equity | -5.51% | -10.67% | -14.31% | -14.46% | -18.44% | -1,293 bps | |
| Net Interest Margin | 0.24% | 0.78% | 0.79% | 0.59% | 0.88% | +64 bps | |
| Efficiency Ratio | 348% | 267% | 304% | 374% | 534% | +18,598 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.78% | -0.88% | -2.69% | -3.14% | -50.73% | -4,996 bps | |
| Loan Growth (YoY) | -18.20% | -23.11% | -78.02% | -86.64% | -100.00% | -8,180 bps | |
| Share Growth (YoY) | -0.63% | 0.29% | -0.86% | -1.03% | -55.74% | -5,511 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 96.82% | 0.00% | 0.00% | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 65.24% | 84.85% | 297% | 488% | n/a | n/a | |
| Capital | |||||||
| Risk-Based Capital | 13.73% | 12.30% | 12.09% | 11.73% | 21.72% | +798 bps | |
| Net Worth / Assets | 13.73% | 12.30% | 12.09% | 11.73% | 21.72% | +798 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 1.71% | 1.31% | 0.38% | 0.23% | 0.00% | -171 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |