Buffalo, NY · Charter 2070
Q4 2001
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 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.64% | -4.58% | -3.90% | 0.09% | -9.03% | -839 bps | |
| Return on Equity | n/a | n/a | -30.11% | 0.66% | -134.61% | n/a | |
| Net Interest Margin | 7.62% | 9.76% | 5.88% | 7.59% | 7.90% | +28 bps | |
| Efficiency Ratio | 87.63% | 79.47% | 115.37% | 98.83% | 134.53% | +4,691 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.83% | -22.01% | -4.19% | 1.16% | -12.94% | -511 bps | |
| Loan Growth (YoY) | -13.84% | -24.51% | -17.41% | -21.41% | -30.22% | -1,638 bps | |
| Share Growth (YoY) | -5.06% | -21.29% | 4.95% | -1.49% | -7.56% | -250 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.75% | 6.18% | 2.54% | 5.06% | 3.46% | -630 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.06% | 4.92% | 2.39% | 2.83% | 6.98% | +592 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 12.94% | 13.86% | 6.71% | n/a | |
| Net Worth / Assets | n/a | n/a | 12.94% | 13.86% | 6.71% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 99.78% | 100.07% | 92.55% | 82.93% | 75.33% | -2,446 bps | |
| Liquid Assets / Assets | 5.54% | 0.41% | 19.51% | 26.90% | 32.59% | +2,704 bps | |