Schenectady, NY · Charter 5842
Q2 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1998, the quarter ended June 30, 1998, 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.
Schenectady, NY · Charter 5842
Q2 1998
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 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.54% | 2.05% | 3.17% | 3.39% | 4.06% | +253 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) | -7.94% | -9.79% | -8.76% | -6.52% | -5.23% | +271 bps | |
| Loan Growth (YoY) | 1.21% | 12.21% | 8.15% | 8.18% | 12.52% | +1,131 bps | |
| Share Growth (YoY) | -9.56% | -11.53% | -10.52% | -7.45% | -7.56% | +200 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.24% | 2.64% | 2.58% | 1.17% | 2.20% | -3 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.70% | 0.85% | 1.95% | 1.08% | 1.58% | +88 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 | 69.55% | 82.66% | 84.95% | 88.18% | 84.66% | +1,511 bps | |
| Liquid Assets / Assets | 18.30% | 22.81% | 25.34% | 10.66% | 23.76% | +546 bps | |