New York, NY · Charter 24341
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, 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 24341
Q2 2001
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 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.22% | 0.23% | -0.51% | -0.67% | 1.22% | -100 bps | |
| Return on Equity | n/a | n/a | n/a | -9.04% | 17.89% | n/a | |
| Net Interest Margin | n/a | 3.70% | 4.61% | 4.52% | 4.43% | n/a | |
| Efficiency Ratio | n/a | 96.85% | 106.93% | 108.29% | 78.00% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -14.46% | -13.45% | -8.80% | 12.81% | 9.35% | +2,381 bps | |
| Loan Growth (YoY) | -58.21% | -50.33% | -2.42% | -25.81% | -33.86% | +2,434 bps | |
| Share Growth (YoY) | -17.09% | -16.73% | -9.91% | 17.24% | 14.51% | +3,160 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 26.88% | 65.21% | 49.33% | 22.23% | 30.09% | +321 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 9.45% | 30.13% | 26.22% | 19.62% | 60.92% | +5,147 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 7.42% | 6.83% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 7.42% | 6.83% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 1.41% | 1.51% | 1.68% | 1.35% | 0.81% | -60 bps | |
| Liquid Assets / Assets | 94.96% | 94.11% | 0.00% | 96.20% | 94.90% | -6 bps | |