Bellmore, NY · Charter 24002
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 | 3.72% | 3.91% | 4.23% | -2.54% | -28.59% | -3,231 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) | 12.59% | 4.64% | 12.20% | -16.50% | -54.82% | -6,742 bps | |
| Loan Growth (YoY) | 60.73% | 61.56% | 12.71% | -16.04% | -58.03% | -11,876 bps | |
| Share Growth (YoY) | 13.32% | 4.54% | 12.93% | -11.48% | -46.90% | -6,022 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 23.99% | 31.38% | 38.51% | 33.33% | 40.74% | +1,675 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.54% | 3.11% | 3.38% | 8.77% | 9.33% | +679 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 | 75.90% | 78.78% | 70.26% | 64.43% | 60.00% | -1,591 bps | |
| Liquid Assets / Assets | 29.23% | 24.40% | 28.20% | 35.38% | 35.20% | +597 bps | |