Rochester, NY · Charter 21363
Q1 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2009, the quarter ended March 31, 2009, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Rochester, NY · Charter 21363
Q1 2009
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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -6.51% | -4.08% | -3.01% | -3.94% | -9.03% | -253 bps | |
| Return on Equity | -138.29% | -106.63% | -78.11% | -147.23% | -896% | -75,742 bps | |
| Net Interest Margin | 4.59% | 4.18% | 4.44% | 4.64% | 5.43% | +84 bps | |
| Efficiency Ratio | 150.76% | 124.85% | 118.19% | 119.47% | 116.89% | -3,387 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 34.35% | 37.55% | 34.62% | 16.08% | -22.49% | -5,684 bps | |
| Loan Growth (YoY) | -2.54% | -9.00% | -17.46% | -20.95% | -21.90% | -1,936 bps | |
| Share Growth (YoY) | 41.52% | 45.45% | 41.27% | 27.92% | -19.61% | -6,113 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.44% | 4.57% | 7.81% | 9.52% | 8.82% | +438 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.57% | 1.81% | 1.84% | 2.69% | 3.06% | +150 bps | |
| Capital | |||||||
| Risk-Based Capital | 4.71% | 3.83% | 3.85% | 2.68% | 1.01% | -370 bps | |
| Net Worth / Assets | 4.71% | 3.83% | 3.85% | 2.68% | 1.01% | -370 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 65.78% | 57.62% | 55.37% | 55.50% | 63.91% | -187 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |