Saratoga Sprngs, NY · Charter 24021
Q1 2008
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 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.43% | 4.77% | 3.31% | 3.77% | 0.15% | -428 bps | |
| Return on Equity | 8.51% | 7.22% | 7.13% | 7.08% | 0.32% | -820 bps | |
| Net Interest Margin | 3.30% | 3.99% | 2.69% | 3.14% | 1.84% | -146 bps | |
| Efficiency Ratio | 13.02% | 14.52% | 11.76% | 11.55% | 93.68% | +8,067 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.04% | 8.90% | 19.53% | 11.44% | 14.09% | +804 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Share Growth (YoY) | 8.34% | 20.41% | 39.18% | 19.06% | 21.59% | +1,325 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Risk-Based Capital | 52.07% | 66.06% | 46.46% | 53.26% | 48.11% | -396 bps | |
| Net Worth / Assets | 52.07% | 66.06% | 46.46% | 53.26% | 48.11% | -396 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |