Brooklyn, NY · Charter 63233
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.
Brooklyn, NY · Charter 63233
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 | 5.39% | 4.90% | 3.23% | 3.72% | 2.35% | -303 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) | 10.29% | 7.59% | 7.41% | 6.68% | 2.81% | -748 bps | |
| Loan Growth (YoY) | 6.42% | 20.66% | 65.90% | 65.97% | 54.95% | +4,853 bps | |
| Share Growth (YoY) | 8.54% | 6.20% | 7.42% | 6.93% | 3.56% | -498 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.26% | 2.90% | 8.78% | 6.13% | 2.46% | -80 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.43% | 3.52% | 3.62% | 3.17% | 4.11% | +68 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 | 64.36% | 70.43% | 96.85% | 105.06% | 96.29% | +3,193 bps | |
| Liquid Assets / Assets | 44.65% | 36.64% | 28.61% | 19.63% | 17.95% | -2,670 bps | |