Plattsburgh, NY · Charter 18079
Q2 1998
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 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.41% | 4.98% | 3.80% | 4.60% | 2.46% | -195 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 10.40% | 2.77% | -7.32% | -5.67% | -12.67% | -2,307 bps | |
| Loan Growth (YoY) | -2.12% | -1.90% | -11.98% | -7.75% | -22.41% | -2,029 bps | |
| Share Growth (YoY) | 8.13% | -2.72% | -12.62% | -11.44% | -19.75% | -2,788 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.03% | 1.23% | 3.90% | 1.51% | 5.33% | -70 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.39% | 2.30% | 3.05% | 2.75% | 3.13% | -27 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.61% | 84.62% | 77.96% | 86.31% | 64.40% | -221 bps | |
| Liquid Assets / Assets | 35.47% | 23.15% | 23.56% | 10.80% | 34.02% | -146 bps | |