New York, NY · Charter 9258
Q3 2007
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.68% | 0.67% | 2.90% | 0.34% | 0.23% | -146 bps | |
| Return on Equity | 6.30% | 2.57% | 10.94% | 1.31% | 0.87% | -543 bps | |
| Net Interest Margin | 3.50% | 3.01% | 3.53% | 3.50% | 2.34% | -117 bps | |
| Efficiency Ratio | 34.63% | 40.08% | 17.78% | 10.61% | 10.61% | -2,402 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.68% | 6.47% | 6.47% | 3.88% | 1.92% | -976 bps | |
| Loan Growth (YoY) | -13.40% | -5.12% | -5.40% | -9.10% | 14.25% | +2,765 bps | |
| Share Growth (YoY) | 14.68% | 7.89% | 5.45% | 1.84% | 0.28% | -1,441 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 15.80% | 9.42% | 10.07% | 5.13% | 5.13% | -1,068 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.86% | 3.42% | 3.73% | 3.20% | 3.20% | -66 bps | |
| Capital | |||||||
| Risk-Based Capital | 26.73% | 26.00% | 26.53% | 25.82% | 25.82% | -92 bps | |
| Net Worth / Assets | 26.73% | 26.00% | 26.53% | 25.82% | 25.82% | -92 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 28.29% | 39.09% | 36.56% | 32.24% | 32.24% | +394 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |