Deer Park, NY · Charter 21562
Q3 2004
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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.93% | -1.47% | -0.53% | -1.35% | -1.04% | -11 bps | |
| Return on Equity | -7.89% | -12.89% | -4.70% | -12.44% | -9.41% | -152 bps | |
| Net Interest Margin | 3.24% | 3.44% | 3.64% | 3.62% | 3.63% | +39 bps | |
| Efficiency Ratio | 121.50% | 117.10% | 110.67% | 107.36% | 107.63% | -1,386 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.06% | -5.78% | -4.92% | -4.36% | -6.40% | -946 bps | |
| Loan Growth (YoY) | 1.85% | -2.79% | 2.09% | -6.37% | -18.88% | -2,073 bps | |
| Share Growth (YoY) | 4.89% | -4.86% | -4.16% | -2.97% | -5.45% | -1,034 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.52% | 2.42% | 1.51% | 4.81% | 7.15% | +463 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.60% | 1.21% | 0.82% | 1.79% | 1.62% | +102 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.84% | 11.43% | 11.27% | 10.89% | 11.08% | -75 bps | |
| Net Worth / Assets | 11.84% | 11.43% | 11.27% | 10.89% | 11.08% | -75 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 33.75% | 33.82% | 32.17% | 30.48% | 28.96% | -479 bps | |
| Liquid Assets / Assets | 23.66% | 22.91% | 28.42% | 27.22% | 32.15% | +848 bps | |