Bronx, NY · Charter 21501
Q2 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2000, the quarter ended June 30, 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.
Bronx, NY · Charter 21501
Q2 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 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.69% | -0.78% | -0.22% | 0.62% | 5.58% | +727 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 | 6.41% | 5.55% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 71.54% | 39.92% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 113.99% | 142.76% | 138.10% | 77.02% | 20.57% | -9,342 bps | |
| Loan Growth (YoY) | -7.70% | 29.26% | -2.37% | 35.46% | 25.10% | +3,280 bps | |
| Share Growth (YoY) | 128.88% | 164.17% | 145.63% | 79.10% | 17.92% | -11,096 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.22% | 13.17% | 3.28% | 2.08% | 7.92% | +471 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.29% | 4.27% | 6.11% | 6.60% | 9.71% | +542 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 | 29.98% | 32.12% | 24.52% | 36.74% | 31.81% | +183 bps | |
| Liquid Assets / Assets | 43.62% | 49.62% | 56.16% | 51.91% | 15.60% | -2,802 bps | |