So. Glen Falls, NY · Charter 1710
Q2 2013
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 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.19% | -0.12% | -0.06% | 0.23% | -19.97% | -1,978 bps | |
| Return on Equity | -0.83% | -0.51% | -0.27% | 0.98% | -124.49% | -12,365 bps | |
| Net Interest Margin | 2.63% | 2.65% | 2.73% | 2.64% | 2.86% | +23 bps | |
| Efficiency Ratio | 106.90% | 104.29% | 102.22% | 91.79% | 304% | +19,705 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.42% | -1.84% | -3.15% | -1.96% | -9.84% | -642 bps | |
| Loan Growth (YoY) | -10.33% | -0.32% | 3.89% | -3.25% | -8.83% | +150 bps | |
| Share Growth (YoY) | -4.21% | -2.42% | -3.96% | -2.42% | -2.78% | +143 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.16% | 5.47% | 5.57% | 7.19% | 5.07% | -9 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.55% | 2.38% | 1.90% | 2.05% | 21.26% | +1,871 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.80% | 23.08% | 23.53% | 23.21% | 16.04% | -676 bps | |
| Net Worth / Assets | 22.80% | 23.08% | 23.53% | 23.21% | 16.04% | -676 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 46.83% | 48.70% | 50.41% | 46.23% | 43.91% | -291 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |