Carle Place, NY · Charter 21915
Q4 2003
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 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.69% | 1.60% | 1.53% | 1.46% | 1.43% | +73 bps | |
| Return on Equity | 5.94% | 15.03% | 14.73% | 13.70% | 12.51% | +657 bps | |
| Net Interest Margin | 3.24% | 3.73% | 3.74% | 3.87% | 4.03% | +79 bps | |
| Efficiency Ratio | 78.77% | 61.39% | 63.40% | 65.08% | 66.20% | -1,257 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 15.29% | 30.92% | 23.59% | 18.88% | 16.80% | +151 bps | |
| Loan Growth (YoY) | 101.11% | 131.69% | 88.58% | 40.20% | 24.94% | -7,616 bps | |
| Share Growth (YoY) | 18.63% | 30.31% | 19.50% | 15.01% | 15.13% | -350 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.74% | 0.44% | 0.66% | 0.40% | 0.29% | -144 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.67% | 0.48% | 0.45% | 0.18% | 0.32% | -35 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.65% | 10.62% | 10.37% | 10.64% | 11.40% | -25 bps | |
| Net Worth / Assets | 11.65% | 10.62% | 10.37% | 10.64% | 11.40% | -25 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.08% | 92.93% | 92.51% | 87.47% | 84.73% | +665 bps | |
| Liquid Assets / Assets | 20.07% | 11.55% | 13.10% | 16.62% | 16.23% | -384 bps | |