Syosset, NY · Charter 7787
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 30, 2002, 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.
Syosset, NY · Charter 7787
Q2 2002
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 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.09% | 0.73% | 0.79% | 0.44% | 0.10% | -98 bps | |
| Return on Equity | n/a | 3.80% | 4.13% | 2.57% | 0.73% | n/a | |
| Net Interest Margin | 2.47% | 2.74% | 3.09% | 2.61% | 1.84% | -63 bps | |
| Efficiency Ratio | 56.11% | 73.38% | 75.05% | 83.25% | 94.36% | +3,824 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 14.29% | 2.37% | 3.69% | 11.59% | 33.38% | +1,909 bps | |
| Loan Growth (YoY) | 19.34% | 35.66% | 37.88% | 10.46% | -10.83% | -3,017 bps | |
| Share Growth (YoY) | 14.58% | 0.67% | 2.36% | 13.01% | 40.18% | +2,560 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.38% | 6.98% | 5.83% | 4.41% | 3.06% | -232 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 13.22% | 11.67% | 10.74% | 12.24% | 13.65% | +43 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | 19.24% | 19.13% | 17.20% | 14.33% | n/a | |
| Net Worth / Assets | n/a | 19.24% | 19.13% | 17.20% | 14.33% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 32.66% | 37.19% | 38.85% | 28.74% | 20.78% | -1,188 bps | |
| Liquid Assets / Assets | 69.71% | 41.20% | 70.34% | 35.89% | 23.03% | -4,667 bps | |