Warwick, NY · Charter 19712
Q2 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1999, the quarter ended June 30, 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.
Warwick, NY · Charter 19712
Q2 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 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.40% | 4.21% | 1.27% | 4.45% | 5.58% | +218 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 | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 18.25% | 30.31% | 11.52% | -3.99% | -8.31% | -2,656 bps | |
| Loan Growth (YoY) | 1.39% | 15.77% | 25.57% | 40.63% | 18.39% | +1,700 bps | |
| Share Growth (YoY) | 15.76% | 30.72% | 12.71% | -8.85% | -12.21% | -2,798 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.89% | 4.13% | 5.61% | 5.66% | 5.66% | -23 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.73% | 1.90% | 4.61% | 0.89% | 0.89% | -84 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 | 34.29% | 40.45% | 35.32% | 47.25% | 46.24% | +1,195 bps | |
| Liquid Assets / Assets | 56.91% | 42.42% | 45.13% | 49.25% | 50.15% | -676 bps | |