Brooklyn, NY · Charter 22830
Q2 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1999, the quarter ended June 30, 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.
Brooklyn, NY · Charter 22830
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 | 2.76% | 2.24% | 0.08% | -0.70% | -0.40% | -316 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) | 5.75% | 14.43% | 3.56% | 0.64% | -4.32% | -1,007 bps | |
| Loan Growth (YoY) | 57.79% | 44.96% | 32.17% | -7.91% | -31.03% | -8,881 bps | |
| Share Growth (YoY) | 4.25% | 14.69% | 5.64% | 4.95% | 0.10% | -415 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.25% | 4.87% | 5.33% | 3.58% | 5.05% | +180 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.15% | 4.10% | 4.00% | 3.45% | 4.65% | +151 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 | 85.57% | 88.81% | 84.71% | 76.97% | 58.96% | -2,661 bps | |
| Liquid Assets / Assets | 11.59% | 0.34% | 11.28% | 1.56% | 0.38% | -1,121 bps | |