Syracuse, NY · Charter 11703
Q3 2004
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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.20% | 1.16% | 1.06% | 0.65% | 0.64% | -56 bps | |
| Return on Equity | 7.83% | 7.38% | 6.87% | 4.22% | 4.01% | -382 bps | |
| Net Interest Margin | 3.98% | 4.05% | 3.97% | 3.85% | 3.93% | -5 bps | |
| Efficiency Ratio | 78.30% | 78.71% | 77.37% | 80.88% | 83.07% | +477 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.35% | 4.97% | 3.13% | -0.53% | 0.90% | -945 bps | |
| Loan Growth (YoY) | 11.14% | 15.49% | 5.54% | -3.23% | -2.45% | -1,359 bps | |
| Share Growth (YoY) | 10.76% | 4.45% | 2.19% | -1.40% | 0.25% | -1,051 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.10% | 0.14% | 0.21% | 0.13% | 0.15% | +4 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.23% | 0.17% | 0.14% | 0.24% | 0.15% | -8 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.33% | 15.70% | 15.45% | 15.38% | 15.94% | +61 bps | |
| Net Worth / Assets | 15.33% | 15.70% | 15.45% | 15.38% | 15.94% | +61 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.08% | 73.73% | 66.25% | 65.30% | 68.19% | -189 bps | |
| Liquid Assets / Assets | 17.90% | 17.37% | 32.49% | 32.63% | 35.81% | +1,791 bps | |