Brooklyn, NY · Charter 2128
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 2005, 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.
Brooklyn, NY · Charter 2128
Q1 2005
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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.29% | 0.98% | 1.50% | 0.70% | 0.28% | -102 bps | |
| Return on Equity | 15.60% | 11.66% | 16.32% | 7.83% | 3.07% | -1,253 bps | |
| Net Interest Margin | 5.12% | 4.88% | 5.51% | 5.18% | 4.33% | -79 bps | |
| Efficiency Ratio | 75.03% | 80.12% | 73.00% | 86.58% | 93.71% | +1,867 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.08% | 0.84% | -2.67% | -3.96% | -3.71% | -263 bps | |
| Loan Growth (YoY) | 5.28% | 5.60% | 5.77% | -4.81% | -13.87% | -1,915 bps | |
| Share Growth (YoY) | -1.90% | 0.08% | -4.07% | -5.05% | -4.15% | -225 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.25% | 0.23% | 0.23% | 0.20% | 0.21% | -3 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.03% | 5.84% | 6.09% | 6.26% | 7.21% | +118 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.29% | 8.43% | 9.19% | 8.95% | 9.05% | +76 bps | |
| Net Worth / Assets | 8.29% | 8.43% | 9.19% | 8.95% | 9.05% | +76 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 95.46% | 99.06% | 97.97% | 98.28% | 85.78% | -968 bps | |
| Liquid Assets / Assets | 16.02% | 13.28% | 14.88% | 14.50% | 25.47% | +945 bps | |