Montgomery, NY · Charter 14984
Q3 2008
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.23% | -3.20% | -0.14% | -0.01% | 0.02% | -20 bps | |
| Return on Equity | 1.81% | -34.60% | -1.58% | -0.12% | 0.25% | -156 bps | |
| Net Interest Margin | 3.86% | 3.96% | 3.42% | 3.08% | 3.69% | -17 bps | |
| Efficiency Ratio | 89.03% | 191.02% | 98.18% | 97.58% | 95.98% | +695 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.07% | 4.81% | 5.90% | 2.42% | -3.28% | +179 bps | |
| Loan Growth (YoY) | 0.52% | -2.92% | -8.34% | -10.11% | -12.07% | -1,259 bps | |
| Share Growth (YoY) | -5.67% | 9.10% | 10.17% | 5.96% | -0.95% | +472 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.89% | 1.73% | 3.03% | 2.41% | 2.85% | -4 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.10% | 0.18% | 0.29% | 0.30% | 0.41% | +30 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.47% | 9.26% | 8.58% | 7.98% | 9.47% | -300 bps | |
| Net Worth / Assets | 12.47% | 9.26% | 8.58% | 7.98% | 9.47% | -300 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 65.77% | 62.97% | 54.46% | 48.73% | 58.38% | -739 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |