Jamaica, NY · Charter 63048
Q2 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2005, the quarter ended June 30, 2005, 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.
Jamaica, NY · Charter 63048
Q2 2005
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 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.72% | -3.00% | -24.83% | -0.19% | -3.30% | +141 bps | |
| Return on Equity | -20.99% | -13.30% | -554% | -4.71% | -133.57% | -11,258 bps | |
| Net Interest Margin | 6.16% | 6.44% | 8.80% | 8.17% | 7.80% | +165 bps | |
| Efficiency Ratio | 95.73% | 95.20% | n/a | 127.11% | 111.35% | +1,563 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.93% | -1.04% | -11.60% | -12.66% | -13.64% | -1,072 bps | |
| Loan Growth (YoY) | 37.69% | 47.30% | 30.45% | 30.07% | 14.00% | -2,369 bps | |
| Share Growth (YoY) | -1.88% | 0.89% | 13.74% | 10.97% | 8.17% | +1,005 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.95% | 5.76% | 4.63% | 2.76% | 1.26% | -69 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.83% | 2.58% | 5.17% | 2.72% | 3.99% | +116 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.49% | 22.52% | 4.48% | 4.00% | 2.47% | -2,001 bps | |
| Net Worth / Assets | 22.49% | 22.52% | 4.48% | 4.00% | 2.47% | -2,001 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.25% | 81.42% | 81.36% | 80.34% | 78.25% | +400 bps | |
| Liquid Assets / Assets | 24.70% | 11.90% | 14.91% | 24.59% | 16.62% | -808 bps | |