New York, NY · Charter 24319
Q2 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2005, the quarter ended June 30, 2005, 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.
New York, NY · Charter 24319
Q2 2005
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 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.11% | -5.19% | -0.26% | -1.22% | -6.82% | -693 bps | |
| Return on Equity | 4.92% | n/a | -16.00% | -153.23% | n/a | n/a | |
| Net Interest Margin | 5.25% | 0.32% | 5.05% | 5.70% | 6.35% | +110 bps | |
| Efficiency Ratio | 99.21% | 168.09% | 102.51% | 116.87% | 184.18% | +8,497 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.94% | -10.38% | 3.42% | 17.07% | 4.33% | +1,427 bps | |
| Loan Growth (YoY) | 58.58% | 71.24% | 62.99% | 30.39% | 14.59% | -4,399 bps | |
| Share Growth (YoY) | -0.67% | -1.59% | 5.97% | 9.26% | 8.86% | +952 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.17% | 2.17% | 2.25% | 17.33% | 16.98% | +1,480 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.77% | 0.79% | 0.89% | 1.22% | 1.38% | +60 bps | |
| Capital | |||||||
| Risk-Based Capital | 2.23% | -0.11% | 1.61% | 0.80% | -2.38% | -460 bps | |
| Net Worth / Assets | 2.23% | -0.11% | 1.61% | 0.80% | -2.38% | -460 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.31% | 88.54% | 80.28% | 83.75% | 86.65% | +434 bps | |
| Liquid Assets / Assets | 3.41% | 0.95% | 12.75% | 11.00% | 1.95% | -147 bps | |