New York, NY · Charter 2864
Q2 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1999, the quarter ended June 30, 1999, 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 2864
Q2 1999
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.08% | -1.47% | 2.34% | -17.24% | 0.11% | +118 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -8.63% | 3.24% | -9.09% | -21.47% | -19.34% | -1,070 bps | |
| Loan Growth (YoY) | -25.29% | -19.90% | -28.89% | -60.65% | -66.40% | -4,111 bps | |
| Share Growth (YoY) | -14.83% | -0.51% | -15.59% | -27.56% | -32.08% | -1,725 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 62.13% | 4.87% | 32.82% | 79.78% | 100.00% | +3,787 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.19% | 3.30% | 3.94% | 79.78% | 48.28% | +4,410 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 36.40% | 41.83% | 40.04% | 25.84% | 18.01% | -1,839 bps | |
| Liquid Assets / Assets | 38.76% | 47.57% | 40.65% | 6.32% | 6.25% | -3,250 bps | |