Middletown, NY · Charter 17341
Q2 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2013, the quarter ended June 30, 2013, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Middletown, NY · Charter 17341
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 | -0.39% | -0.37% | -0.24% | 0.10% | -3.41% | -301 bps | |
| Return on Equity | -6.14% | -5.30% | -3.38% | 1.41% | -71.73% | -6,559 bps | |
| Net Interest Margin | 2.99% | 3.33% | 3.48% | 3.57% | 3.31% | +32 bps | |
| Efficiency Ratio | 106.75% | 104.90% | 101.22% | 80.01% | 288% | +18,110 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.69% | 2.63% | 0.32% | -1.81% | -1.21% | -391 bps | |
| Loan Growth (YoY) | 19.44% | 21.33% | 13.53% | 5.88% | 6.46% | -1,298 bps | |
| Share Growth (YoY) | 3.31% | 3.22% | 1.04% | -1.67% | -1.07% | -439 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.13% | 0.31% | 0.85% | 0.92% | 2.08% | +195 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.34% | 0.40% | 0.44% | 0.55% | 0.70% | +37 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.39% | 6.99% | 7.19% | 6.91% | 4.75% | -164 bps | |
| Net Worth / Assets | 6.39% | 6.99% | 7.19% | 6.91% | 4.75% | -164 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 49.58% | 58.43% | 59.74% | 56.63% | 53.35% | +378 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 97.39% | 0.00% | 0 bps | |