Ballston Spa, NY · Charter 24420
Q3 2006
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 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.85% | 0.49% | 0.70% | 0.51% | 0.25% | -60 bps | |
| Return on Equity | 8.26% | 4.82% | 6.91% | 4.88% | 2.39% | -587 bps | |
| Net Interest Margin | 1.18% | 0.81% | 0.91% | 0.78% | 0.56% | -62 bps | |
| Efficiency Ratio | 12.88% | 18.49% | 18.42% | 22.32% | 32.68% | +1,980 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -12.48% | -11.63% | -6.19% | -3.59% | -1.71% | +1,076 bps | |
| Loan Growth (YoY) | 9.62% | 7.81% | 8.49% | 5.80% | 2.18% | -744 bps | |
| Share Growth (YoY) | -14.48% | -13.27% | -7.38% | -3.76% | -1.14% | +1,334 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.96% | 0.84% | 0.88% | 0.87% | 0.74% | -22 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.65% | 0.65% | 0.60% | 0.60% | 0.60% | -5 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.25% | 10.14% | 10.19% | 10.44% | 10.47% | +22 bps | |
| Net Worth / Assets | 10.25% | 10.14% | 10.19% | 10.44% | 10.47% | +22 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 28.01% | 27.92% | 27.65% | 28.42% | 28.95% | +94 bps | |
| Liquid Assets / Assets | 21.69% | 23.80% | 25.52% | 0.00% | 0.00% | -2,169 bps | |