New York, NY · Charter 21817
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 | 4.18% | 4.52% | 4.66% | -9587500% | 0.00% | -418 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) | 0.51% | 1.28% | 11.17% | -100.00% | -100.00% | -10,051 bps | |
| Loan Growth (YoY) | 1.31% | 4.80% | -3.11% | -100.00% | -100.00% | -10,131 bps | |
| Share Growth (YoY) | -3.89% | -3.29% | 7.55% | -100.00% | -100.00% | -9,611 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.27% | 2.02% | 2.61% | n/a | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 8.40% | 7.52% | 9.40% | n/a | n/a | n/a | |
| 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 | 42.69% | 47.10% | 39.14% | n/a | n/a | n/a | |
| Liquid Assets / Assets | 63.96% | 60.24% | 67.86% | 660600% | 0.00% | -6,396 bps | |