New York, NY · Charter 16618
Q4 1999
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
New York, NY · Charter 16618
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 | 3.30% | 4.04% | 3.64% | 1.25% | -1.36% | -466 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 | 3.94% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 126.39% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -27.66% | -4.24% | -5.21% | -15.56% | -23.94% | +372 bps | |
| Loan Growth (YoY) | -37.64% | 1.46% | -6.80% | -4.24% | -10.98% | +2,666 bps | |
| Share Growth (YoY) | -30.12% | -13.98% | -6.61% | -23.04% | -34.08% | -396 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 33.99% | 22.34% | 36.52% | 51.56% | 35.17% | +118 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 18.54% | 15.15% | 18.72% | 22.07% | 26.10% | +756 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 | 89.38% | 120.44% | 108.90% | 115.80% | 120.69% | +3,132 bps | |
| Liquid Assets / Assets | 24.15% | 17.25% | 15.44% | 18.23% | 19.64% | -451 bps | |