PackageTrendsPeer
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Manhattan Cluster

New York, NY · Charter 21470

Q2 1998

$40KAssets
$61KLoans
$56KShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -67.65%, down 6,862 bps year over year.
  • Asset quality: problem loans at 98.88% of loans (+6,988 bps YoY).
  • Funding: loans stand at 109.68% of shares as of Q2 1998.

Financial Results

Return on Assets (quarter, annualized)

-67.65%-6,862 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998YoY ΔTrend
Earnings
Return on Assets0.97%0.96%0.97%-22.49%-67.65%-6,862 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/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 / Loans29.00%29.00%0.00%54.17%98.88%+6,988 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans58.08%58.08%58.08%60.97%90.36%+3,228 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares53.61%53.61%53.61%83.38%109.68%+5,607 bps
Liquid Assets / Assets10.59%10.54%10.59%22.22%42.35%+3,176 bps