PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Central Queens Bus Employees

Rosedale, NY · Charter 4959

Q2 1999

$5.0MAssets
$2.0MLoans
$4.6MShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 3.39%, up 50 bps year over year.
  • Asset quality: problem loans at 3.22% of loans (+17 bps YoY).
  • Funding: loans stand at 42.14% of shares as of Q2 1999.

Financial Results

Return on Assets (YTD, annualized)

3.39%+50 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets2.88%3.13%3.06%1.99%3.39%+50 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)-7.82%-5.82%-2.58%-3.46%-5.25%+257 bps
Loan Growth (YoY)-9.82%-6.83%-5.53%-8.31%-4.55%+527 bps
Share Growth (YoY)-9.19%-7.21%-2.58%-4.03%-5.79%+340 bps
Asset Quality
Delinquent Loans / Loans3.05%3.98%4.50%2.72%3.22%+17 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.87%2.53%2.36%2.34%2.38%-50 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares41.60%48.31%41.95%43.97%42.14%+54 bps
Liquid Assets / Assets51.30%51.10%51.39%55.74%56.83%+552 bps