Waterford, NY · Charter 21514
Q3 2004
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 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.82% | 0.73% | 1.34% | 1.23% | 0.54% | -28 bps | |
| Return on Equity | 6.22% | 5.34% | 9.78% | 9.38% | 4.07% | -215 bps | |
| Net Interest Margin | 3.13% | 3.21% | 3.37% | 3.15% | 3.19% | +7 bps | |
| Efficiency Ratio | 73.62% | 74.75% | 61.04% | 62.76% | 73.72% | +10 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.47% | 9.46% | 1.34% | 5.40% | 3.10% | -1,037 bps | |
| Loan Growth (YoY) | -2.29% | -2.32% | 2.31% | -1.20% | -0.06% | +223 bps | |
| Share Growth (YoY) | 11.42% | 10.25% | 0.61% | 5.19% | 1.49% | -993 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.39% | 2.05% | 0.69% | 0.81% | 2.71% | +32 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.43% | 0.41% | 0.46% | 0.46% | 0.44% | +1 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.12% | 13.61% | 13.67% | 13.11% | 13.22% | +10 bps | |
| Net Worth / Assets | 13.12% | 13.61% | 13.67% | 13.11% | 13.22% | +10 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 57.18% | 59.93% | 58.70% | 54.49% | 56.30% | -87 bps | |
| Liquid Assets / Assets | 31.21% | 29.28% | 30.29% | 32.75% | 34.84% | +363 bps | |