Bronx, NY · Charter 23712
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, 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.
Bronx, NY · Charter 23712
Q4 2000
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 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.19% | 3.20% | 1.85% | 4.71% | 2.54% | -65 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 15.52% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 4.02% | 7.11% | 3.68% | n/a | |
| Efficiency Ratio | n/a | n/a | 61.06% | 33.74% | 31.46% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -37.92% | -23.85% | -10.90% | 6.37% | 13.91% | +5,183 bps | |
| Loan Growth (YoY) | 17.32% | 14.90% | -12.21% | -35.18% | -30.46% | -4,778 bps | |
| Share Growth (YoY) | -42.57% | -29.56% | -16.89% | 0.60% | 9.34% | +5,191 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 13.73% | 15.60% | 16.11% | 19.61% | 9.43% | -430 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 9.19% | 10.79% | 11.13% | 16.17% | 13.22% | +403 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 16.37% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 16.37% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.52% | 57.06% | 63.44% | 34.07% | 40.40% | -2,312 bps | |
| Liquid Assets / Assets | 38.45% | 39.64% | 0.00% | 0.00% | 68.07% | +2,962 bps | |