Brooklyn, NY · Charter 1433
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, 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.
Brooklyn, NY · Charter 1433
Q2 2001
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 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.15% | 0.83% | 1.49% | 1.54% | 0.63% | -352 bps | |
| Return on Equity | n/a | n/a | n/a | 6.48% | 2.63% | n/a | |
| Net Interest Margin | n/a | 2.19% | 2.71% | 2.82% | 2.18% | n/a | |
| Efficiency Ratio | n/a | 62.09% | 45.48% | 45.46% | 71.09% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 0.21% | 6.23% | 2.99% | 9.04% | 6.60% | +639 bps | |
| Loan Growth (YoY) | -38.47% | -36.06% | -32.44% | -37.15% | -23.08% | +1,539 bps | |
| Share Growth (YoY) | -2.86% | 5.09% | 0.93% | 8.33% | 5.28% | +815 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 12.44% | 20.34% | 10.36% | 11.13% | 11.59% | -84 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 11.56% | 13.15% | 12.84% | 14.41% | 14.69% | +313 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 23.83% | 24.04% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 23.83% | 24.04% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 28.95% | 24.98% | 24.76% | 21.59% | 21.15% | -780 bps | |
| Liquid Assets / Assets | 73.64% | 75.49% | 79.13% | 85.18% | 85.35% | +1,171 bps | |