Schenectady, NY · Charter 23666
Q4 2007
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 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.00% | 0.18% | 0.35% | 0.53% | 0.54% | -46 bps | |
| Return on Equity | 8.14% | 1.51% | 2.91% | 4.40% | 3.96% | -419 bps | |
| Net Interest Margin | 3.73% | 3.40% | 3.47% | 3.45% | 3.81% | +8 bps | |
| Efficiency Ratio | 77.83% | 92.89% | 87.97% | 85.63% | 86.79% | +896 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.99% | 0.17% | 0.09% | 1.67% | -6.00% | -699 bps | |
| Loan Growth (YoY) | 12.09% | 1.41% | -0.57% | 0.09% | -3.80% | -1,589 bps | |
| Share Growth (YoY) | 0.15% | 0.09% | 0.38% | 0.88% | -8.30% | -845 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.92% | 2.45% | 2.53% | 2.19% | 3.01% | +109 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.74% | 0.76% | 0.82% | 0.82% | 0.76% | +2 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.29% | 11.90% | 12.05% | 11.94% | 13.61% | +132 bps | |
| Net Worth / Assets | 12.29% | 11.90% | 12.05% | 11.94% | 13.61% | +132 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 49.77% | 45.01% | 47.22% | 48.17% | 52.21% | +245 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |