Lancaster, NY · Charter 2120
Q3 2005
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.14% | 0.21% | 0.27% | 0.38% | -2.83% | -297 bps | |
| Return on Equity | 0.91% | 1.31% | 1.68% | 2.41% | -19.00% | -1,992 bps | |
| Net Interest Margin | 1.86% | 1.91% | 2.00% | 2.27% | -0.14% | -200 bps | |
| Efficiency Ratio | 92.22% | 89.14% | 86.42% | 83.20% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 0.45% | 4.93% | 0.87% | -2.66% | -5.98% | -643 bps | |
| Loan Growth (YoY) | 30.78% | 16.46% | 14.70% | 15.90% | 16.96% | -1,381 bps | |
| Share Growth (YoY) | 0.39% | 5.64% | 0.73% | -3.52% | -4.91% | -530 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.52% | 0.72% | 0.70% | 0.34% | 2.22% | +170 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.64% | 0.61% | 0.24% | 0.23% | 1.60% | +96 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.88% | 15.85% | 16.14% | 15.88% | 14.88% | -100 bps | |
| Net Worth / Assets | 15.88% | 15.85% | 16.14% | 15.88% | 14.88% | -100 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 36.37% | 37.81% | 37.93% | 38.51% | 44.74% | +837 bps | |
| Liquid Assets / Assets | 48.46% | 65.27% | 34.55% | 56.53% | 53.94% | +548 bps | |