Mount Vernon, NY · Charter 23388
Q4 1998
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.15% | 0.51% | 5.06% | 2.84% | 1.21% | -395 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) | -4.92% | -5.68% | -7.51% | -6.27% | -31.81% | -2,689 bps | |
| Loan Growth (YoY) | -9.39% | 5.51% | 4.54% | 11.49% | -8.07% | +132 bps | |
| Share Growth (YoY) | -14.44% | -14.51% | -10.18% | -14.55% | -98.30% | -8,386 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 36.41% | 57.85% | 36.41% | 57.01% | 0.00% | -3,641 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 12.46% | 12.36% | 16.72% | 11.55% | 49.10% | +3,664 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 | 89.42% | 91.39% | 84.36% | 97.15% | 4838% | +474,866 bps | |
| Liquid Assets / Assets | 28.54% | 17.44% | 28.02% | 5.63% | 8.68% | -1,986 bps | |