Niagara Falls, NY · Charter 11846
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 | 0.73% | 0.52% | 0.30% | 0.13% | -0.28% | -101 bps | |
| Return on Equity | n/a | 3.13% | 1.86% | 0.77% | -1.48% | n/a | |
| Net Interest Margin | 3.86% | 4.21% | 3.90% | 4.26% | 4.34% | +48 bps | |
| Efficiency Ratio | 82.01% | 88.26% | 92.73% | 89.32% | 106.06% | +2,406 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.77% | 2.83% | 0.17% | 1.94% | -23.24% | -3,601 bps | |
| Loan Growth (YoY) | 14.43% | 19.76% | 21.09% | 12.78% | -16.61% | -3,104 bps | |
| Share Growth (YoY) | 14.32% | 2.40% | -1.15% | 1.70% | -27.09% | -4,141 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.26% | 0.42% | 0.23% | 0.09% | 0.21% | -4 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.88% | 0.85% | 0.76% | 0.45% | 0.67% | -21 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | 16.49% | 16.14% | 17.10% | 19.17% | n/a | |
| Net Worth / Assets | n/a | 16.49% | 16.14% | 17.10% | 19.17% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.36% | 90.82% | 86.97% | 92.74% | 85.04% | +1,068 bps | |
| Liquid Assets / Assets | 23.82% | 23.85% | 26.84% | 22.55% | 31.01% | +719 bps | |