PackageTrendsPeer
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Crofton

Brooklyn, NY · Charter 12942

Q4 1999

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: Q4 1999, the quarter ended December 31, 1999, 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

Crofton

Brooklyn, NY · Charter 12942

Q4 1999

$6KAssets
$0KLoans
$0KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 233.73%, up 22,963 bps year over year; NIM at 284.02%.

Return on Assets (YTD, annualized)

234%+22,963 bps YoY

Net Interest Margin (YTD, annualized)

284%
n/a

Efficiency Ratio (YTD, annualized)

17.71%
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets4.56%4.29%4.21%4.10%4.24%4.14%3.80%234%+22,963 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a284%n/an/a
Efficiency Ration/an/an/an/an/an/an/a17.71%n/an/a
Growth
Asset Growth (YoY)-6.20%-4.20%-4.03%-2.77%-5.06%-4.34%-2.01%-98.82%-9,606 bps
Loan Growth (YoY)22.72%-27.26%-42.59%-42.89%-41.47%-55.53%-67.94%-100.00%-5,711 bps
Share Growth (YoY)-9.94%-5.45%-5.54%-3.13%-5.58%-4.76%-1.81%-100.00%-9,687 bps
Asset Quality
Delinquent Loans / Loans5.99%0.00%0.00%0.00%0.00%0.00%0.00%n/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans3.99%5.07%6.92%6.35%6.82%7.95%15.07%n/an/a
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares24.01%18.60%14.21%15.11%14.88%8.68%4.64%n/an/a
Liquid Assets / Assets75.95%79.75%82.70%82.54%84.79%39.50%0.00%0.00%-8,254 bps