Utica, NY · Charter 62666
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.
Utica, NY · Charter 62666
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 | 3.80% | 3.89% | 3.91% | 3.75% | -0.28% | -408 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) | 1.81% | -3.97% | -16.77% | -15.13% | -19.38% | -2,119 bps | |
| Loan Growth (YoY) | 36.72% | 33.06% | -4.07% | -21.48% | -39.78% | -7,650 bps | |
| Share Growth (YoY) | -0.21% | -3.09% | -17.71% | -15.62% | -19.91% | -1,970 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.15% | 5.02% | 4.52% | 14.24% | 14.79% | +1,163 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.12% | 2.44% | 4.10% | 5.63% | 3.58% | +145 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 | 86.96% | 93.49% | 102.69% | 85.46% | 65.39% | -2,157 bps | |
| Liquid Assets / Assets | 19.16% | 13.55% | 5.25% | 12.05% | 40.27% | +2,111 bps | |