New Hartford, NY · Charter 20996
Q2 2000
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.82% | 2.40% | 2.71% | 0.74% | -45.57% | -4,839 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 | 6.96% | 4.13% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 84.30% | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -18.92% | -11.59% | -17.45% | -6.87% | -21.51% | -260 bps | |
| Loan Growth (YoY) | -17.37% | -8.82% | -4.12% | -15.93% | -9.33% | +804 bps | |
| Share Growth (YoY) | -21.77% | -12.10% | -16.56% | -7.88% | -4.12% | +1,766 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.43% | 1.32% | 1.16% | 2.50% | 2.10% | -232 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.90% | 1.79% | 1.10% | 1.27% | 1.96% | -94 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 | 71.25% | 75.61% | 80.69% | 77.17% | 67.37% | -387 bps | |
| Liquid Assets / Assets | 29.33% | 23.78% | 11.54% | 4.63% | 2.43% | -2,690 bps | |