Farmingdale, NY · Charter 2679
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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.
Farmingdale, NY · Charter 2679
Q1 2007
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 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.14% | -0.34% | -0.16% | -0.27% | 0.38% | +52 bps | |
| Return on Equity | -1.39% | -3.37% | -1.53% | -2.48% | 3.46% | +486 bps | |
| Net Interest Margin | 3.83% | 3.73% | 4.04% | 4.20% | 4.46% | +64 bps | |
| Efficiency Ratio | 102.87% | 103.63% | 102.25% | 105.01% | 85.55% | -1,732 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.04% | -3.64% | -6.78% | -10.92% | -6.58% | +246 bps | |
| Loan Growth (YoY) | -13.91% | -14.52% | -16.39% | -14.70% | -17.61% | -370 bps | |
| Share Growth (YoY) | -10.08% | -3.92% | -7.34% | -11.64% | -6.77% | +331 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.64% | 0.48% | 0.98% | 0.66% | 0.09% | -55 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.58% | 0.76% | 0.78% | 0.39% | 0.67% | +9 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.36% | 10.03% | 10.66% | 10.78% | 10.96% | +59 bps | |
| Net Worth / Assets | 10.36% | 10.03% | 10.66% | 10.78% | 10.96% | +59 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 25.10% | 23.63% | 23.89% | 23.63% | 22.18% | -292 bps | |
| Liquid Assets / Assets | 39.25% | 0.00% | 0.00% | 0.00% | 0.00% | -3,925 bps | |