East Aurora, NY · Charter 15387
Q3 2005
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 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.49% | -0.25% | 0.36% | 0.27% | 0.15% | +64 bps | |
| Return on Equity | -2.87% | -1.42% | 2.03% | 1.43% | 0.66% | +353 bps | |
| Net Interest Margin | 3.37% | 3.48% | 3.53% | 3.80% | 4.38% | +101 bps | |
| Efficiency Ratio | 114.69% | 107.13% | 89.70% | 92.98% | 96.68% | -1,802 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.36% | -0.57% | -6.36% | -13.86% | -21.21% | -2,457 bps | |
| Loan Growth (YoY) | -16.59% | -16.14% | -7.48% | -12.24% | -15.68% | +91 bps | |
| Share Growth (YoY) | 4.11% | -0.30% | -7.33% | -16.47% | -30.94% | -3,505 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.54% | 0.61% | 1.99% | 2.15% | 2.82% | +128 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.70% | 0.18% | 0.19% | 0.20% | 0.25% | -44 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.27% | 17.45% | 17.88% | 18.70% | 22.05% | +478 bps | |
| Net Worth / Assets | 17.27% | 17.45% | 17.88% | 18.70% | 22.05% | +478 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.51% | 55.19% | 53.57% | 53.01% | 67.78% | +1,227 bps | |
| Liquid Assets / Assets | 52.74% | 52.90% | 54.37% | 55.17% | 49.10% | -364 bps | |