Lake Ronkonkoma, NY · Charter 22904
Q2 2013
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 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 7.48% | 4.76% | 3.28% | -5.42% | -12.29% | -1,977 bps | |
| Return on Equity | 89.96% | 58.77% | 42.01% | -85.61% | -675% | -76,527 bps | |
| Net Interest Margin | 2.90% | 2.88% | 2.80% | 2.53% | 2.56% | -34 bps | |
| Efficiency Ratio | 42.63% | 52.63% | 61.65% | 206% | 407% | +36,412 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.12% | 3.52% | 7.30% | 1.91% | -0.38% | -50 bps | |
| Loan Growth (YoY) | -34.35% | -21.74% | -21.80% | -15.37% | -17.08% | +1,727 bps | |
| Share Growth (YoY) | -3.25% | -0.16% | 4.01% | 4.35% | 5.21% | +846 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.79% | 6.42% | 4.96% | 3.65% | 2.31% | -148 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.89% | 2.73% | 2.00% | 3.25% | 2.73% | -16 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.31% | 8.09% | 7.80% | 6.33% | 1.82% | -649 bps | |
| Net Worth / Assets | 8.31% | 8.09% | 7.80% | 6.33% | 1.82% | -649 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 24.41% | 23.77% | 22.17% | 20.60% | 19.24% | -517 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |