Huntington, NY · Charter 21125
Q2 2003
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 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -6.91% | -2.23% | 2.72% | 0.18% | -0.73% | +619 bps | |
| Return on Equity | -58.99% | -17.39% | 15.92% | 1.00% | -4.11% | +5,487 bps | |
| Net Interest Margin | 2.95% | 3.26% | 3.87% | 3.09% | 4.06% | +111 bps | |
| Efficiency Ratio | 82.89% | 81.22% | 77.97% | 94.44% | 124.98% | +4,208 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -16.48% | -11.29% | -13.78% | -12.80% | -8.67% | +780 bps | |
| Loan Growth (YoY) | -43.26% | -36.73% | -37.68% | -22.97% | -15.83% | +2,743 bps | |
| Share Growth (YoY) | -12.65% | -7.78% | -14.05% | -16.32% | -14.87% | -221 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 18.16% | 15.15% | 8.57% | 11.83% | 15.65% | -251 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 16.37% | 15.15% | 7.77% | 7.89% | 3.65% | -1,271 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.72% | 12.81% | 17.09% | 17.55% | 17.62% | +590 bps | |
| Net Worth / Assets | 11.72% | 12.81% | 17.09% | 17.55% | 17.62% | +590 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.98% | 54.96% | 56.07% | 56.87% | 54.35% | -62 bps | |
| Liquid Assets / Assets | 57.37% | 57.39% | 55.00% | 54.56% | 54.59% | -278 bps | |