Auburn, NY · Charter 21548
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 | -1.82% | -0.93% | -0.71% | -0.75% | -7.13% | -531 bps | |
| Return on Equity | -11.67% | -6.17% | -4.94% | -4.66% | -76.73% | -6,506 bps | |
| Net Interest Margin | 1.39% | 1.22% | 1.18% | 1.35% | -4.05% | -544 bps | |
| Efficiency Ratio | 177.65% | 162.21% | 164.08% | 161.90% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 2.48% | -3.53% | -3.45% | -2.06% | -5.19% | -767 bps | |
| Loan Growth (YoY) | -38.44% | -28.32% | -19.47% | -10.76% | -3.61% | +3,483 bps | |
| Share Growth (YoY) | 5.62% | -2.14% | -2.26% | -1.39% | 1.84% | -378 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.24% | 2.98% | 2.61% | 1.30% | 0.41% | -182 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.39% | 1.92% | 1.50% | 0.94% | 1.03% | -36 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.57% | 15.03% | 14.36% | 16.03% | 9.29% | -628 bps | |
| Net Worth / Assets | 15.57% | 15.03% | 14.36% | 16.03% | 9.29% | -628 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 18.01% | 15.60% | 15.21% | 18.57% | 17.04% | -96 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |