Middletown, NY · Charter 1216
Q4 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1998, the quarter ended December 31, 1998, 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.
Middletown, NY · Charter 1216
Q4 1998
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.03% | -6.82% | 1.06% | 1.61% | 1.68% | -36 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -10.29% | -20.83% | -12.33% | -9.85% | -1.93% | +837 bps | |
| Loan Growth (YoY) | 1.71% | -12.21% | -11.71% | -20.39% | -34.01% | -3,572 bps | |
| Share Growth (YoY) | -11.27% | -14.23% | -7.77% | -7.64% | 4.23% | +1,550 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.74% | 6.97% | 2.86% | 2.53% | 3.10% | -64 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.24% | 7.29% | 5.55% | 1.21% | 3.09% | -15 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.17% | 60.83% | 60.53% | 52.74% | 47.60% | -2,758 bps | |
| Liquid Assets / Assets | 27.08% | 33.90% | 35.35% | 31.32% | 37.80% | +1,072 bps | |