Cheektowaga, NY · Charter 2151
Q4 2012
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 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.97% | -2.33% | -2.21% | -2.06% | -3.85% | -188 bps | |
| Return on Equity | -18.19% | -22.71% | -22.20% | -21.79% | -48.32% | -3,013 bps | |
| Net Interest Margin | 3.57% | 3.09% | 3.09% | 3.16% | 3.09% | -48 bps | |
| Efficiency Ratio | 150.45% | 166.58% | 164.91% | 159.19% | 185.56% | +3,511 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.06% | -7.25% | -7.94% | -4.46% | -8.27% | -122 bps | |
| Loan Growth (YoY) | -31.52% | -15.31% | -12.25% | -12.13% | -17.46% | +1,406 bps | |
| Share Growth (YoY) | -5.35% | -5.99% | -6.50% | -2.78% | -5.27% | +8 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.05% | 1.31% | 2.84% | 2.93% | 0.00% | -205 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.53% | 0.85% | 0.89% | 0.87% | 0.11% | -142 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.84% | 10.24% | 9.95% | 9.45% | 7.97% | -287 bps | |
| Net Worth / Assets | 10.84% | 10.24% | 9.95% | 9.45% | 7.97% | -287 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.01% | 47.89% | 46.72% | 44.03% | 40.96% | -605 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |