Tonawanda, NY · Charter 14216
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 | 0.57% | 0.01% | -1.24% | -0.82% | -20.84% | -2,142 bps | |
| Return on Equity | 2.40% | 0.05% | -4.54% | -2.96% | -198.32% | -20,071 bps | |
| Net Interest Margin | 4.75% | 4.29% | 3.57% | 3.55% | -16.34% | -2,108 bps | |
| Efficiency Ratio | 88.23% | 99.71% | 134.65% | 123.41% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -11.30% | -13.30% | -15.93% | -16.42% | -21.38% | -1,008 bps | |
| Loan Growth (YoY) | -21.14% | -31.68% | -30.88% | -34.69% | -54.52% | -3,338 bps | |
| Share Growth (YoY) | -14.26% | -16.72% | -19.49% | -19.62% | -5.10% | +916 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 28.87% | 24.81% | 22.02% | 25.18% | 0.00% | -2,887 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.46% | 5.98% | 6.65% | 7.57% | 1.54% | -392 bps | |
| Capital | |||||||
| Risk-Based Capital | 23.98% | 24.10% | 27.26% | 27.62% | 10.51% | -1,347 bps | |
| Net Worth / Assets | 23.98% | 24.10% | 27.26% | 27.62% | 10.51% | -1,347 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.22% | 57.54% | 60.76% | 54.37% | 29.34% | -3,188 bps | |
| Liquid Assets / Assets | 54.43% | 57.77% | 56.07% | 61.19% | 71.40% | +1,697 bps | |