Grand Island, NY · Charter 13475
Q4 2013
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 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.22% | -0.93% | -0.45% | -1.18% | -1.00% | -122 bps | |
| Return on Equity | 3.02% | -13.89% | -6.48% | -17.81% | -14.39% | -1,741 bps | |
| Net Interest Margin | 2.69% | 3.30% | 3.26% | 3.53% | 3.82% | +112 bps | |
| Efficiency Ratio | 89.92% | 74.59% | 79.23% | 78.57% | 85.67% | -425 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 23.38% | 14.78% | 6.33% | -3.18% | -10.88% | -3,426 bps | |
| Loan Growth (YoY) | 96.41% | 78.52% | 44.28% | 29.43% | 8.30% | -8,811 bps | |
| Share Growth (YoY) | 25.28% | 15.93% | 6.87% | -2.71% | -10.73% | -3,600 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.15% | 2.36% | 0.89% | 1.63% | 6.73% | +258 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.19% | 0.59% | 0.13% | 1.45% | 0.63% | +43 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.12% | 6.72% | 6.99% | 6.60% | 6.98% | -14 bps | |
| Net Worth / Assets | 7.12% | 6.72% | 6.99% | 6.60% | 6.98% | -14 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.12% | 64.07% | 69.03% | 73.25% | 74.15% | +1,303 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |