PackageTrendsPeer
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Grand Adirondack

Bayside, NY · Charter 10293

Q2 2011

$7.3MAssets
$0KLoans
$7.2MShares
$70KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -22.90%, down 3,566 bps year over year; NIM at 0.16%.
  • Capital: net worth / assets of 0.96%, down 1,291 bps from a year ago.
  • Funding: loans stand at 0.00% of shares as of Q2 2011.

Financial Results

Return on Assets (quarter, annualized)

-22.90%-3,566 bps YoY

Net Interest Margin (quarter, annualized)

0.16%0 bps YoY

Efficiency Ratio (quarter, annualized)

210%+17,640 bps YoY

Net Worth / Assets

0.96%-1,291 bps YoY

Discrete quarter, annualized.

MetricQ4 2009Q1 2010Q3 2010Q1 2011Q2 2011YoY ΔTrend
Earnings
Return on Assets12.75%35.37%26.98%26.80%-22.90%-3,566 bps
Return on Equity91.97%173.31%76.33%102.90%-2377%-246,906 bps
Net Interest Margin0.16%0.48%0.42%0.17%0.16%0 bps
Efficiency Ratio33.89%47.44%67.64%58.20%210%+17,640 bps
Growth
Asset Growth (YoY)551%27.94%98.36%264%221%-32,967 bps
Loan Growth (YoY)-56.95%-99.83%-100.00%-100.00%-100.00%-4,305 bps
Share Growth (YoY)499%8.88%35.50%209%271%-22,864 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%n/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%n/an/an/an/a
Capital
Risk-Based Capital13.87%20.41%35.34%26.05%0.96%-1,291 bps
Net Worth / Assets13.87%20.41%35.34%26.05%0.96%-1,291 bps
Liquidity & Funding
Loans / Shares0.26%0.05%0.00%0.00%0.00%-26 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps