New York, NY · Charter 21931
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, 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 21931
Q2 2007
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 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.97% | -0.33% | 1.83% | -10.38% | -8.42% | -939 bps | |
| Return on Equity | 1.89% | -0.62% | 2.61% | -16.77% | -13.57% | -1,547 bps | |
| Net Interest Margin | 3.87% | 3.68% | 6.57% | 1.26% | 1.29% | -257 bps | |
| Efficiency Ratio | 74.94% | 109.09% | 72.13% | 921% | 751% | +67,622 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -25.38% | -9.32% | -26.10% | -20.99% | -21.47% | +391 bps | |
| Loan Growth (YoY) | -23.77% | -26.67% | -58.91% | -66.46% | -100.00% | -7,623 bps | |
| Share Growth (YoY) | -41.34% | -17.89% | -55.27% | -41.66% | -39.00% | +235 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 56.85% | 64.00% | 16.36% | 9.30% | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.05% | 4.55% | 9.78% | 12.70% | n/a | n/a | |
| Capital | |||||||
| Risk-Based Capital | 51.17% | 54.14% | 69.99% | 61.87% | 62.07% | +1,090 bps | |
| Net Worth / Assets | 51.17% | 54.14% | 69.99% | 61.87% | 62.07% | +1,090 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.12% | 65.08% | 58.14% | 32.40% | 0.00% | -6,412 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |