Alden, NY · Charter 2254
Q3 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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.57% | 0.54% | 0.22% | -20.73% | -16.07% | -1,664 bps | |
| Return on Equity | 2.62% | 2.43% | 0.95% | -62.24% | -47.41% | -5,004 bps | |
| Net Interest Margin | 1.89% | 1.90% | 1.71% | 3.69% | 3.13% | +124 bps | |
| Efficiency Ratio | 70.47% | 71.82% | 87.13% | 116.92% | 164.82% | +9,435 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.78% | -6.75% | -0.92% | -50.24% | -52.71% | -4,493 bps | |
| Loan Growth (YoY) | -35.07% | -40.77% | -37.09% | -45.62% | -52.44% | -1,737 bps | |
| Share Growth (YoY) | -11.23% | -11.78% | -1.22% | -57.94% | -61.07% | -4,983 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.69% | 0.00% | 0.00% | 0.00% | 4.25% | -144 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.79% | 2.05% | 2.31% | 36.39% | 43.48% | +4,170 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.63% | 22.24% | 23.18% | 33.31% | 33.90% | +1,227 bps | |
| Net Worth / Assets | 21.63% | 22.24% | 23.18% | 33.31% | 33.90% | +1,227 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 33.84% | 30.63% | 28.36% | 46.17% | 41.34% | +750 bps | |
| Liquid Assets / Assets | 58.23% | 74.74% | 76.35% | 56.14% | 80.53% | +2,230 bps | |