Cheektowaga, NY · Charter 11829
Q4 2003
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 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.34% | -0.13% | -0.22% | -0.47% | -3.67% | -334 bps | |
| Return on Equity | -2.24% | -0.90% | -1.69% | -3.80% | -30.04% | -2,780 bps | |
| Net Interest Margin | 4.44% | 3.79% | 3.35% | 3.05% | 3.59% | -85 bps | |
| Efficiency Ratio | 107.26% | 103.24% | 106.26% | 114.61% | 150.39% | +4,312 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.48% | 14.69% | 2.29% | 3.15% | -4.96% | -448 bps | |
| Loan Growth (YoY) | -16.81% | -12.47% | -17.41% | -24.13% | -36.00% | -1,919 bps | |
| Share Growth (YoY) | 1.13% | 18.57% | 2.86% | 4.26% | -1.46% | -260 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.78% | 3.92% | 5.56% | 6.03% | 7.81% | +504 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.29% | 2.29% | 2.61% | 2.97% | 3.16% | +88 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.12% | 14.41% | 13.24% | 12.40% | 12.23% | -289 bps | |
| Net Worth / Assets | 15.12% | 14.41% | 13.24% | 12.40% | 12.23% | -289 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 45.06% | 42.68% | 34.15% | 28.32% | 29.26% | -1,580 bps | |
| Liquid Assets / Assets | 61.87% | 56.18% | 70.42% | 75.06% | 74.15% | +1,228 bps | |