Melville, NY · Charter 19987
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 2002, 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.
Melville, NY · Charter 19987
Q3 2002
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 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.90% | -1.25% | -3.14% | -24.79% | 0.00% | +390 bps | |
| Return on Equity | -10.12% | -3.08% | -9.61% | -98.53% | 0.00% | +1,012 bps | |
| Net Interest Margin | 6.94% | 5.78% | 3.95% | 2.27% | 0.00% | -694 bps | |
| Efficiency Ratio | 84.76% | 100.52% | 164.31% | 1167% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -42.39% | -44.24% | -14.32% | -15.99% | -30.35% | +1,204 bps | |
| Loan Growth (YoY) | -60.66% | -67.09% | -73.41% | -83.64% | -100.00% | -3,934 bps | |
| Share Growth (YoY) | -52.08% | -55.32% | -12.05% | -5.05% | -25.81% | +2,627 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 26.69% | 38.75% | 59.62% | 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 | 9.93% | 18.27% | 32.62% | 43.04% | n/a | n/a | |
| Capital | |||||||
| Risk-Based Capital | 38.48% | 40.68% | 32.70% | 25.17% | 33.80% | -468 bps | |
| Net Worth / Assets | 38.48% | 40.68% | 32.70% | 25.17% | 33.80% | -468 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.10% | 58.12% | 28.08% | 12.58% | 0.00% | -8,010 bps | |
| Liquid Assets / Assets | 52.20% | 68.23% | 84.57% | 91.36% | 0.00% | -5,220 bps | |