New York, NY · Charter 60066
Q2 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2000, the quarter ended June 30, 2000, 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 60066
Q2 2000
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.49% | 5.27% | 3.19% | -0.45% | 2.39% | -210 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 | 5.44% | 5.74% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 95.80% | 58.31% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -5.83% | -11.52% | -9.90% | -6.72% | -6.69% | -87 bps | |
| Loan Growth (YoY) | -3.32% | -21.17% | -28.41% | -25.67% | -23.64% | -2,032 bps | |
| Share Growth (YoY) | -8.69% | -16.97% | -14.27% | -8.74% | -9.69% | -101 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.11% | 0.91% | 1.95% | 6.71% | 5.66% | +555 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.88% | 1.07% | 1.36% | 2.38% | 2.30% | +142 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 | 92.45% | 91.86% | 75.39% | 76.95% | 78.17% | -1,428 bps | |
| Liquid Assets / Assets | 19.95% | 0.00% | 0.00% | 0.00% | 0.00% | -1,995 bps | |