New York, NY · Charter 22783
Q4 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1999, the quarter ended December 31, 1999, 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 22783
Q4 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 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.23% | 4.47% | 3.97% | 2.84% | 1.05% | -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 | 5.66% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 78.51% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -14.66% | -15.12% | -20.47% | 4.18% | -7.88% | +678 bps | |
| Loan Growth (YoY) | 3.92% | 2.12% | -0.06% | -6.94% | -2.32% | -624 bps | |
| Share Growth (YoY) | -19.93% | -21.92% | -25.29% | 2.15% | -3.70% | +1,624 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.13% | 3.97% | 5.51% | 13.99% | 13.46% | +1,133 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.58% | 5.71% | 5.58% | 6.81% | 14.50% | +992 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 | 57.75% | 47.73% | 60.93% | 44.58% | 58.58% | +83 bps | |
| Liquid Assets / Assets | 23.58% | 55.90% | 47.63% | 22.20% | 28.45% | +487 bps | |