Syracuse, NY · Charter 22262
Q1 2006
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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.09% | 0.10% | 0.14% | -6.15% | -19.61% | -1,970 bps | |
| Return on Equity | 0.63% | 0.58% | 0.85% | -43.00% | -137.82% | -13,845 bps | |
| Net Interest Margin | 5.73% | 6.97% | 7.10% | 8.04% | 7.95% | +222 bps | |
| Efficiency Ratio | 98.50% | 95.23% | 93.67% | 94.73% | 112.54% | +1,404 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 14.08% | -14.97% | -17.62% | -23.83% | -29.17% | -4,326 bps | |
| Loan Growth (YoY) | -5.35% | 4.62% | 2.73% | -5.95% | -15.28% | -993 bps | |
| Share Growth (YoY) | 16.78% | -17.73% | -19.36% | -22.70% | -28.81% | -4,559 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.72% | 8.72% | 10.19% | 14.75% | 11.59% | +187 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.52% | 0.02% | 1.09% | 7.06% | 3.83% | +331 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.71% | 17.37% | 16.44% | 14.30% | 14.23% | -49 bps | |
| Net Worth / Assets | 14.71% | 17.37% | 16.44% | 14.30% | 14.23% | -49 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.49% | 85.07% | 87.00% | 90.54% | 83.89% | +1,340 bps | |
| Liquid Assets / Assets | 37.09% | 26.38% | 25.14% | 24.48% | 27.13% | -996 bps | |