E. Rochester, NY · Charter 24248
Q4 2001
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.70% | 0.60% | 0.80% | 0.74% | -0.51% | -120 bps | |
| Return on Equity | 7.86% | 6.86% | 9.13% | 8.08% | -5.70% | -1,357 bps | |
| Net Interest Margin | 3.68% | 3.49% | 3.45% | 3.59% | 4.05% | +37 bps | |
| Efficiency Ratio | 87.58% | 89.05% | 85.39% | 86.22% | 93.79% | +622 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.66% | 2.75% | 3.40% | 4.42% | -5.82% | -648 bps | |
| Loan Growth (YoY) | -0.59% | -1.01% | -7.44% | -10.10% | -4.19% | -360 bps | |
| Share Growth (YoY) | -0.16% | 1.61% | 2.71% | 5.07% | -5.82% | -566 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.17% | 0.07% | 0.11% | 0.13% | 0.19% | +2 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.82% | 0.77% | 0.78% | 0.69% | 1.65% | +83 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.86% | 8.69% | 8.74% | 9.16% | 8.90% | +4 bps | |
| Net Worth / Assets | 8.86% | 8.69% | 8.74% | 9.16% | 8.90% | +4 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 97.37% | 93.33% | 86.87% | 90.50% | 99.06% | +169 bps | |
| Liquid Assets / Assets | 9.98% | 14.08% | 19.91% | 16.42% | 9.99% | +1 bps | |