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An-Med Employees

New York, NY · Charter 22783

Q4 1999

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

An-Med Employees

New York, NY · Charter 22783

Q4 1999

$215KAssets
$114KLoans
$194KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 1.05%, down 418 bps year over year; NIM at 5.66%.
  • Asset quality: problem loans at 13.46% of loans (+1,133 bps YoY).
  • Funding: loans stand at 58.58% of shares as of Q4 1999.

Return on Assets (YTD, annualized)

1.05%-418 bps YoY

Net Interest Margin (YTD, annualized)

5.66%
n/a

Efficiency Ratio (YTD, annualized)

78.51%
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets-1.05%2.56%2.33%5.23%4.47%3.97%2.84%1.05%-418 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a5.66%n/an/a
Efficiency Ration/an/an/an/an/an/an/a78.51%n/an/a
Growth
Asset Growth (YoY)20.16%18.49%-13.79%-14.66%-15.12%-20.47%4.18%-7.88%+678 bps
Loan Growth (YoY)-17.19%-4.22%-12.39%3.92%2.12%-0.06%-6.94%-2.32%-624 bps
Share Growth (YoY)23.52%21.98%-15.05%-19.93%-21.92%-25.29%2.15%-3.70%+1,624 bps
Asset Quality
Delinquent Loans / Loans2.71%3.68%2.29%2.13%3.97%5.51%13.99%13.46%+1,133 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans4.89%3.80%7.31%4.58%5.71%5.58%6.81%14.50%+992 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares36.50%45.55%48.94%57.75%47.73%60.93%44.58%58.58%+83 bps
Liquid Assets / Assets45.09%38.14%54.85%23.58%55.90%47.63%22.20%28.45%+487 bps