Brooklyn, NY · Charter 7732
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.
Brooklyn, NY · Charter 7732
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 | 5.84% | 6.60% | 7.34% | 7.34% | 6.85% | +101 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) | -7.96% | -10.62% | -3.22% | -0.93% | -13.26% | -530 bps | |
| Loan Growth (YoY) | -16.08% | 12.81% | 16.54% | 21.72% | -21.19% | -511 bps | |
| Share Growth (YoY) | -14.52% | -20.17% | -14.03% | -8.60% | -14.66% | -14 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 25.70% | 25.26% | 25.99% | 25.99% | 36.10% | +1,041 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.15% | 7.47% | 7.16% | 7.16% | 9.07% | +192 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 | 96.53% | 101.58% | 100.99% | 100.99% | 89.14% | -739 bps | |
| Liquid Assets / Assets | 19.80% | 20.50% | 21.53% | 21.53% | 12.30% | -749 bps | |