Syracuse, NY · Charter 16244
Q4 2002
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 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.24% | 0.05% | 0.40% | 0.52% | 0.20% | -4 bps | |
| Return on Equity | 3.96% | 0.87% | 6.63% | 7.86% | 3.11% | -85 bps | |
| Net Interest Margin | 4.53% | 4.64% | 3.71% | 3.81% | 3.69% | -84 bps | |
| Efficiency Ratio | 81.63% | 78.81% | 83.32% | 81.92% | 84.40% | +277 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.44% | 7.20% | 6.74% | 9.74% | -4.14% | -1,259 bps | |
| Loan Growth (YoY) | 2.46% | -10.89% | -16.47% | -27.09% | -31.65% | -3,411 bps | |
| Share Growth (YoY) | 10.92% | 9.91% | 4.57% | 10.39% | -4.83% | -1,575 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.21% | 3.32% | 2.65% | 3.39% | 3.50% | +129 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.94% | 3.00% | 2.60% | 2.21% | 2.27% | +33 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.12% | 6.26% | 6.04% | 6.56% | 6.52% | +40 bps | |
| Net Worth / Assets | 6.12% | 6.26% | 6.04% | 6.56% | 6.52% | +40 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.12% | 60.58% | 53.04% | 49.90% | 46.05% | -1,807 bps | |
| Liquid Assets / Assets | 126.06% | 33.49% | 44.14% | 46.33% | 45.65% | -8,041 bps | |