Ridgewood, NY · Charter 22691
Q2 1999
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.71% | 2.84% | 8.33% | 5.86% | 1.75% | -196 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) | 2.12% | 3.00% | -9.56% | -20.85% | -19.96% | -2,208 bps | |
| Loan Growth (YoY) | -40.14% | -46.29% | -61.29% | -76.62% | -84.46% | -4,432 bps | |
| Share Growth (YoY) | 0.47% | 2.87% | -15.34% | -29.84% | -27.94% | -2,840 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.72% | 12.60% | 4.38% | 25.99% | 45.71% | +3,699 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.49% | 10.29% | 6.70% | 18.93% | 42.43% | +3,594 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 | 10.04% | 8.11% | 6.21% | 3.95% | 2.17% | -788 bps | |
| Liquid Assets / Assets | 79.90% | 80.23% | 75.28% | 88.02% | 82.54% | +264 bps | |