Watervliet, NY · Charter 16023
Q2 2000
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.63% | 3.85% | 3.48% | 0.94% | 1.07% | -256 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 | 4.03% | 4.02% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 76.19% | 73.87% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 9.62% | 12.93% | 11.34% | 12.25% | 9.96% | +33 bps | |
| Loan Growth (YoY) | -3.82% | -4.27% | 26.01% | 48.96% | 63.73% | +6,755 bps | |
| Share Growth (YoY) | 8.97% | 6.42% | 10.85% | 5.70% | 4.25% | -472 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.15% | 0.42% | 0.24% | 0.25% | 0.12% | -103 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.52% | 0.36% | 0.41% | 0.53% | 0.40% | -11 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 | 49.84% | 50.04% | 61.38% | 72.55% | 78.28% | +2,844 bps | |
| Liquid Assets / Assets | 52.07% | 52.12% | 42.08% | 32.90% | 28.08% | -2,399 bps | |