Hilton, NY · Charter 22054
Q3 2005
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 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.11% | 0.11% | 0.25% | 0.20% | 0.24% | +14 bps | |
| Return on Equity | 0.67% | 0.66% | 1.51% | 1.28% | 1.31% | +64 bps | |
| Net Interest Margin | 3.64% | 3.61% | 4.02% | 3.67% | 4.27% | +63 bps | |
| Efficiency Ratio | 94.92% | 93.90% | 89.22% | 90.73% | 90.91% | -400 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.07% | 0.82% | -3.74% | -2.17% | -11.70% | -1,277 bps | |
| Loan Growth (YoY) | -5.40% | -8.61% | -9.37% | -15.05% | -16.46% | -1,106 bps | |
| Share Growth (YoY) | 1.15% | 1.00% | -4.80% | -2.94% | -14.02% | -1,516 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.27% | 0.54% | 13.36% | 0.90% | 1.05% | +78 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.13% | 1.06% | 0.95% | 0.31% | 0.00% | -113 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.32% | 16.17% | 16.83% | 15.71% | 18.69% | +237 bps | |
| Net Worth / Assets | 16.32% | 16.17% | 16.83% | 15.71% | 18.69% | +237 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.94% | 53.62% | 54.00% | 46.03% | 53.38% | -156 bps | |
| Liquid Assets / Assets | 51.99% | 53.38% | 53.41% | 59.33% | 54.17% | +218 bps | |