New York, NY · Charter 20146
Q4 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2001, the quarter ended December 31, 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.
New York, NY · Charter 20146
Q4 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 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.89% | 3.60% | 3.39% | 1.53% | -13.13% | -1,602 bps | |
| Return on Equity | n/a | n/a | 34.66% | 14.93% | n/a | n/a | |
| Net Interest Margin | 8.12% | 6.73% | 7.76% | 4.05% | 5.91% | -222 bps | |
| Efficiency Ratio | 73.28% | 48.93% | 58.09% | 63.31% | 251% | +17,740 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.35% | -1.80% | -12.97% | -14.87% | -17.13% | -1,278 bps | |
| Loan Growth (YoY) | 13.98% | 4.25% | -14.07% | -51.28% | -48.60% | -6,258 bps | |
| Share Growth (YoY) | -5.46% | -3.36% | -9.16% | -12.18% | -6.02% | -57 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 29.10% | 21.69% | 5.45% | 37.21% | 42.51% | +1,341 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.45% | 5.89% | 6.98% | 8.17% | 35.64% | +3,119 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 9.78% | 10.25% | -1.77% | n/a | |
| Net Worth / Assets | n/a | n/a | 9.78% | 10.25% | -1.77% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 65.02% | 55.44% | 48.82% | 40.63% | 35.56% | -2,946 bps | |
| Liquid Assets / Assets | 42.25% | 29.68% | 55.09% | 64.08% | 74.27% | +3,201 bps | |