Brooklyn, NY · Charter 12942
Q4 1999
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 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.10% | 4.24% | 4.14% | 3.80% | 234% | +22,963 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 | 284% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 17.71% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -2.77% | -5.06% | -4.34% | -2.01% | -98.82% | -9,606 bps | |
| Loan Growth (YoY) | -42.89% | -41.47% | -55.53% | -67.94% | -100.00% | -5,711 bps | |
| Share Growth (YoY) | -3.13% | -5.58% | -4.76% | -1.81% | -100.00% | -9,687 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.35% | 6.82% | 7.95% | 15.07% | n/a | n/a | |
| 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 | 15.11% | 14.88% | 8.68% | 4.64% | n/a | n/a | |
| Liquid Assets / Assets | 82.54% | 84.79% | 39.50% | 0.00% | 0.00% | -8,254 bps | |