Brooklyn, NY · Charter 24059
Q1 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2004, the quarter ended March 31, 2004, 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 24059
Q1 2004
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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.50% | -5.25% | -3.48% | -15.93% | -39.12% | -3,462 bps | |
| Return on Equity | -44.98% | -60.59% | -43.15% | n/a | n/a | n/a | |
| Net Interest Margin | 5.19% | 5.15% | 5.50% | 6.65% | 5.71% | +52 bps | |
| Efficiency Ratio | 291% | 311% | 180.52% | 215% | 463% | +17,145 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.12% | -2.99% | -4.97% | -20.22% | -30.10% | -3,422 bps | |
| Loan Growth (YoY) | 12.49% | 8.58% | 7.03% | -7.26% | -18.06% | -3,055 bps | |
| Share Growth (YoY) | 8.90% | 0.29% | -2.69% | -8.52% | -18.26% | -2,716 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.87% | 7.40% | 8.05% | 6.31% | 7.91% | -96 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.57% | 0.68% | 1.04% | 6.88% | 7.82% | +525 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.99% | 8.67% | 8.07% | -2.98% | -7.64% | -1,763 bps | |
| Net Worth / Assets | 9.99% | 8.67% | 8.07% | -2.98% | -7.64% | -1,763 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.13% | 50.29% | 54.80% | 55.18% | 51.26% | +13 bps | |
| Liquid Assets / Assets | 40.57% | 40.79% | 32.28% | 32.75% | 45.94% | +537 bps | |