New York, NY · Charter 21470
Q2 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1998, the quarter ended June 30, 1998, 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 21470
Q2 1998
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 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.97% | 0.96% | 0.97% | -22.49% | -67.65% | -6,862 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) | -51.63% | -29.90% | -7.54% | -25.21% | -51.11% | +52 bps | |
| Loan Growth (YoY) | -74.20% | -64.50% | -42.18% | 21.94% | 60.64% | +13,484 bps | |
| Share Growth (YoY) | -52.30% | -48.25% | -18.12% | -11.52% | -21.48% | +3,083 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 29.00% | 29.00% | 0.00% | 54.17% | 98.88% | +6,988 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 58.08% | 58.08% | 58.08% | 60.97% | 90.36% | +3,228 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 | 53.61% | 53.61% | 53.61% | 83.38% | 109.68% | +5,607 bps | |
| Liquid Assets / Assets | 10.59% | 10.54% | 10.59% | 22.22% | 42.35% | +3,176 bps | |