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West Point

West Point, NY · Charter 11775

Q1 2002

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2002, the quarter ended March 31, 2002, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

West Point

West Point, NY · Charter 11775

Q1 2002

$51.0MAssets
$23.3MLoans
$50.7MShares
$104KNet Worth

Executive Summary

  • Earnings: ROA of -40.87%, down 4,183 bps year over year; NIM at -27.22%.
  • Asset quality: problem loans at 0.88% of loans (+7 bps YoY).
  • Capital: net worth / assets of 0.20%.
  • Funding: loans stand at 46.02% of shares as of Q1 2002.

Return on Assets (YTD, annualized)

-40.87%-4,183 bps YoY

Net Interest Margin (YTD, annualized)

-27.22%-3,143 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

0.20%

Year to date, annualized, through each quarter.

MetricQ4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001Q1 2002YoY ΔTrend
Earnings
Return on Assets3.48%3.75%0.96%0.96%0.94%0.85%0.79%-40.87%-4,183 bps
Return on Equityn/an/an/an/a9.13%8.53%7.77%-20005%n/a
Net Interest Marginn/an/a4.35%4.21%4.35%3.93%3.80%-27.22%-3,143 bps
Efficiency Ration/an/a81.80%81.83%83.17%81.60%81.99%n/an/a
Growth
Asset Growth (YoY)4.14%8.29%3.65%8.76%-2.08%6.79%9.02%2.98%-577 bps
Loan Growth (YoY)3.12%3.71%1.55%1.28%0.79%-3.06%-10.12%-14.54%-1,582 bps
Share Growth (YoY)2.87%7.02%2.15%7.58%-4.46%5.48%7.58%13.51%+593 bps
Asset Quality
Delinquent Loans / Loans1.21%0.84%0.98%0.82%0.98%0.78%0.99%0.88%+7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.33%1.25%1.09%0.99%0.82%0.82%0.82%0.70%-29 bps
Capital
Risk-Based Capitaln/an/an/an/a10.28%9.99%10.22%0.20%n/a
Net Worth / Assetsn/an/an/an/a10.28%9.99%10.22%0.20%n/a
Liquidity & Funding
Loans / Shares64.28%65.58%69.40%61.12%67.81%60.27%57.98%46.02%-1,510 bps
Liquid Assets / Assets23.08%21.53%7.75%7.49%18.70%19.35%24.54%29.67%+2,218 bps