Syracuse, NY · Charter 20731
Q3 2010
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 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.28% | -1.92% | -2.76% | -1.99% | -2.08% | +120 bps | |
| Return on Equity | -59.35% | -32.65% | -60.57% | -55.07% | -70.78% | -1,143 bps | |
| Net Interest Margin | 3.65% | 4.38% | 4.55% | 4.41% | 4.55% | +90 bps | |
| Efficiency Ratio | 106.53% | 96.10% | 107.80% | 95.65% | 116.50% | +998 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -17.84% | -14.94% | -14.44% | -5.12% | -0.95% | +1,689 bps | |
| Loan Growth (YoY) | 23.70% | 13.36% | 0.98% | -8.27% | -16.53% | -4,023 bps | |
| Share Growth (YoY) | -17.32% | -14.45% | -12.69% | -3.71% | 2.02% | +1,933 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.82% | 1.67% | 0.17% | 0.65% | 0.07% | -76 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.59% | 0.53% | 0.29% | 1.01% | 0.62% | +4 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.52% | 5.88% | 4.55% | 3.62% | 2.94% | -258 bps | |
| Net Worth / Assets | 5.52% | 5.88% | 4.55% | 3.62% | 2.94% | -258 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.62% | 90.56% | 85.41% | 71.44% | 73.33% | -1,629 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |