Rochester, NY · Charter 15023
Q2 2006
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 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.93% | 1.06% | 1.04% | 0.48% | 0.10% | -83 bps | |
| Return on Equity | 5.68% | 5.79% | 5.58% | 2.47% | 0.46% | -522 bps | |
| Net Interest Margin | 3.11% | 3.46% | 3.48% | 3.74% | 3.85% | +73 bps | |
| Efficiency Ratio | 70.21% | 69.96% | 70.53% | 87.03% | 97.48% | +2,727 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.84% | -8.71% | -11.96% | -17.09% | -22.01% | -2,385 bps | |
| Loan Growth (YoY) | 14.67% | 10.30% | 6.33% | 1.78% | 3.06% | -1,161 bps | |
| Share Growth (YoY) | 0.92% | -11.67% | -15.25% | -21.16% | -29.24% | -3,016 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.09% | 0.22% | 0.10% | 0.78% | +78 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.48% | 0.45% | 0.45% | 0.48% | 0.46% | -1 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.39% | 18.24% | 18.63% | 19.22% | 21.68% | +528 bps | |
| Net Worth / Assets | 16.39% | 18.24% | 18.63% | 19.22% | 21.68% | +528 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.28% | 82.06% | 81.61% | 79.54% | 99.44% | +3,117 bps | |
| Liquid Assets / Assets | 26.42% | 14.87% | 21.31% | 21.04% | 0.00% | -2,642 bps | |