Mount Vernon, NY · Charter 2809
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.
Mount Vernon, NY · Charter 2809
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 | 1.89% | 1.16% | 0.70% | -0.81% | -6.31% | -820 bps | |
| Return on Equity | n/a | n/a | n/a | -6.33% | -68.98% | n/a | |
| Net Interest Margin | n/a | 5.66% | 6.80% | 6.10% | 4.84% | n/a | |
| Efficiency Ratio | n/a | 81.37% | 90.49% | 112.92% | 625% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 8.60% | 7.82% | 5.59% | -2.52% | -6.79% | -1,538 bps | |
| Loan Growth (YoY) | 41.38% | 28.00% | 27.85% | 21.14% | 15.07% | -2,632 bps | |
| Share Growth (YoY) | 6.81% | 5.75% | 5.51% | -3.39% | 0.04% | -677 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.48% | 3.49% | 3.25% | 5.44% | 4.63% | +315 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.49% | 5.19% | 4.00% | 3.69% | 3.63% | -186 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 12.83% | 9.15% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 12.83% | 9.15% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.81% | 76.16% | 72.62% | 86.22% | 72.24% | +943 bps | |
| Liquid Assets / Assets | 20.51% | 1.54% | 4.21% | 13.91% | 25.64% | +514 bps | |