Buffalo, NY · Charter 1132
Q3 2006
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.93% | -1.68% | -2.93% | -1.76% | -1.63% | +130 bps | |
| Return on Equity | -16.60% | -8.42% | -14.50% | -8.85% | -8.10% | +850 bps | |
| Net Interest Margin | 2.98% | 4.21% | 5.48% | 3.56% | 3.98% | +101 bps | |
| Efficiency Ratio | 197.21% | 150.74% | 217% | 142.14% | 128.33% | -6,888 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.55% | -11.98% | -14.91% | -13.58% | -14.47% | -391 bps | |
| Loan Growth (YoY) | 64.95% | 73.09% | 54.76% | 43.29% | 24.68% | -4,027 bps | |
| Share Growth (YoY) | -10.26% | -13.07% | -16.92% | -15.79% | -17.03% | -676 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.41% | 1.10% | 1.95% | 1.75% | 1.45% | +4 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.52% | 0.55% | 0.44% | 0.62% | 1.10% | -42 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.65% | 19.92% | 20.21% | 19.94% | 20.15% | +250 bps | |
| Net Worth / Assets | 17.65% | 19.92% | 20.21% | 19.94% | 20.15% | +250 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.49% | 66.99% | 70.18% | 72.22% | 83.39% | +2,789 bps | |
| Liquid Assets / Assets | 36.35% | 29.23% | 21.41% | 0.00% | 0.00% | -3,635 bps | |