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Nyack Hospital Employees

Nyack, NY · Charter 23608

Q4 1997

$1.6MAssets
$951KLoans
$1.6MShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 2.40%, up 41 bps year over year.
  • Asset quality: problem loans at 4.66% of loans (+167 bps YoY).
  • Funding: loans stand at 61.11% of shares as of Q4 1997.

Financial Results

Return on Assets (quarter, annualized)

2.40%+41 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets1.99%0.17%0.77%2.34%2.40%+41 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/a11.88%5.91%2.60%-0.69%n/a
Loan Growth (YoY)n/a80.12%24.09%-1.53%-10.77%n/a
Share Growth (YoY)n/a14.73%9.64%5.37%1.17%n/a
Asset Quality
Delinquent Loans / Loans3.00%2.78%4.60%2.99%4.66%+167 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.91%2.67%5.80%3.30%5.93%+402 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares69.29%60.42%71.34%57.63%61.11%-818 bps
Liquid Assets / Assets4.44%17.52%16.67%13.75%25.58%+2,114 bps