Oswego, NY · Charter 20584
Q2 2009
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 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -5.61% | -5.49% | -5.46% | -2.19% | -2.32% | +329 bps | |
| Return on Equity | -49.78% | -53.98% | -52.89% | -23.89% | -29.98% | +1,980 bps | |
| Net Interest Margin | 3.90% | 3.28% | 4.41% | 2.74% | 2.81% | -109 bps | |
| Efficiency Ratio | 70.85% | 106.14% | 116.24% | 94.57% | 105.16% | +3,432 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.95% | -0.26% | 0.53% | 2.77% | 3.60% | +454 bps | |
| Loan Growth (YoY) | -11.75% | -16.55% | -16.75% | -22.85% | -12.89% | -114 bps | |
| Share Growth (YoY) | 1.75% | 3.90% | 8.37% | 12.10% | 8.32% | +657 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.71% | 2.18% | 3.47% | 5.03% | 4.29% | +358 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.50% | 7.43% | 8.22% | 7.13% | 9.24% | +275 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.27% | 10.16% | 10.32% | 9.18% | 7.73% | -354 bps | |
| Net Worth / Assets | 11.27% | 10.16% | 10.32% | 9.18% | 7.73% | -354 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 37.04% | 36.26% | 37.37% | 33.05% | 29.79% | -725 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |