Roosevelt, NY · Charter 24147
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 2002, 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.
Roosevelt, NY · Charter 24147
Q3 2002
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 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.97% | 4.26% | 6.73% | 0.00% | -52.71% | -5,568 bps | |
| Return on Equity | 24.97% | 30.01% | 6.81% | n/a | -52.71% | -7,768 bps | |
| Net Interest Margin | 4.62% | 5.47% | 23.00% | 0.00% | 96.12% | +9,151 bps | |
| Efficiency Ratio | 27.59% | 22.20% | 71.03% | n/a | 154.84% | +12,725 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.59% | -16.21% | -86.76% | -99.99% | -99.99% | -8,840 bps | |
| Loan Growth (YoY) | -37.81% | -44.41% | -100.00% | -100.00% | -100.00% | -6,219 bps | |
| Share Growth (YoY) | -17.28% | -22.56% | -99.84% | -99.98% | -100.00% | -8,272 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 17.45% | 35.98% | n/a | n/a | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.20% | 4.45% | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Risk-Based Capital | 11.88% | 14.20% | 98.88% | 0.00% | 100.00% | +8,812 bps | |
| Net Worth / Assets | 11.88% | 14.20% | 98.88% | 0.00% | 100.00% | +8,812 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 13.62% | 10.24% | 0.00% | 0.00% | n/a | n/a | |
| Liquid Assets / Assets | 87.30% | 90.73% | 93.53% | 100.00% | 100.00% | +1,270 bps | |