Cortland, NY · Charter 22463
Q2 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 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.17% | -0.40% | -0.92% | 0.65% | -0.78% | -61 bps | |
| Return on Equity | -2.29% | -4.84% | -11.77% | 8.59% | -12.60% | -1,031 bps | |
| Net Interest Margin | 4.18% | 5.03% | 5.14% | 4.71% | 4.19% | +2 bps | |
| Efficiency Ratio | 84.67% | 82.83% | 81.84% | 84.93% | 94.99% | +1,032 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.94% | 3.05% | -5.21% | -0.42% | -0.36% | -230 bps | |
| Loan Growth (YoY) | -4.80% | 5.07% | 8.73% | 10.78% | 7.75% | +1,255 bps | |
| Share Growth (YoY) | 0.73% | 5.89% | -4.11% | 2.05% | 1.74% | +101 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.10% | 0.81% | 0.87% | 0.52% | 0.52% | -158 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.23% | 1.69% | 2.23% | 2.01% | 2.21% | +98 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.22% | 8.23% | 7.79% | 7.53% | 6.17% | -105 bps | |
| Net Worth / Assets | 7.22% | 8.23% | 7.79% | 7.53% | 6.17% | -105 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.84% | 59.83% | 62.10% | 55.40% | 50.66% | +282 bps | |
| Liquid Assets / Assets | 30.69% | 12.91% | 15.93% | 26.15% | 0.00% | -3,069 bps | |