East Meadow, NY · Charter 20809
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, 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.
East Meadow, NY · Charter 20809
Q4 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 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.56% | 2.72% | 0.15% | 0.77% | 0.79% | -277 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 6.25% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 3.61% | 4.82% | 5.59% | n/a | |
| Efficiency Ratio | n/a | n/a | 96.44% | 86.08% | 87.69% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 1.33% | 2.18% | 3.16% | 5.15% | 4.87% | +354 bps | |
| Loan Growth (YoY) | -2.58% | -11.72% | 0.22% | 11.80% | 22.29% | +2,487 bps | |
| Share Growth (YoY) | -0.01% | 1.31% | 3.03% | 6.22% | 5.37% | +538 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.31% | 0.93% | 2.28% | 0.85% | 0.72% | +41 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.80% | 5.33% | 4.22% | 4.39% | 4.01% | -79 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 12.63% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 12.63% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 36.84% | 29.93% | 38.12% | 36.02% | 42.75% | +591 bps | |
| Liquid Assets / Assets | 32.47% | 29.07% | 33.98% | 7.28% | 55.41% | +2,294 bps | |