Flushing, NY · Charter 12370
Q3 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2003, the quarter ended September 30, 2003, 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.
Flushing, NY · Charter 12370
Q3 2003
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 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.38% | 0.10% | -1.33% | 0.78% | 0.92% | +55 bps | |
| Return on Equity | 3.00% | 0.81% | -10.63% | 5.86% | 6.81% | +381 bps | |
| Net Interest Margin | 3.86% | 3.95% | 1.97% | 3.17% | 3.38% | -48 bps | |
| Efficiency Ratio | 90.20% | 97.46% | 167.45% | 75.51% | 72.66% | -1,753 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.90% | -6.09% | -10.29% | -5.02% | -3.51% | +839 bps | |
| Loan Growth (YoY) | -23.42% | -12.14% | -18.61% | -28.17% | -28.49% | -507 bps | |
| Share Growth (YoY) | -11.31% | -6.56% | -9.14% | -5.27% | -4.59% | +672 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 58.73% | 50.60% | 51.03% | 50.74% | 53.24% | -549 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.86% | 6.50% | 7.84% | 8.97% | 9.59% | +273 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.61% | 12.38% | 12.51% | 13.24% | 13.57% | +96 bps | |
| Net Worth / Assets | 12.61% | 12.38% | 12.51% | 13.24% | 13.57% | +96 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 13.56% | 14.30% | 12.24% | 10.81% | 10.17% | -340 bps | |
| Liquid Assets / Assets | 87.89% | 86.08% | 87.17% | 88.03% | 88.91% | +101 bps | |