Binghamton, NY · Charter 24505
Q4 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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.61% | 7.56% | -5.39% | -5.30% | -9.68% | -1,229 bps | |
| Return on Equity | 30.74% | 58.57% | -52.41% | -55.70% | -253% | -28,365 bps | |
| Net Interest Margin | 1.97% | 2.03% | 2.08% | 2.22% | 2.07% | +9 bps | |
| Efficiency Ratio | 75.08% | 81.50% | 153.95% | 134.07% | 183.79% | +10,871 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.50% | 2.75% | -9.19% | -15.26% | -17.97% | -2,247 bps | |
| Loan Growth (YoY) | -2.11% | -8.71% | -10.00% | -16.95% | -30.42% | -2,830 bps | |
| Share Growth (YoY) | 1.34% | -3.00% | -10.26% | -13.96% | -15.72% | -1,706 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.37% | 7.41% | 8.94% | 5.51% | 6.45% | +8 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 11.71% | 5.82% | 8.10% | 10.05% | 14.49% | +278 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.49% | 12.91% | 10.28% | 9.51% | 3.83% | -466 bps | |
| Net Worth / Assets | 8.49% | 12.91% | 10.28% | 9.51% | 3.83% | -466 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 23.33% | 20.11% | 22.25% | 22.65% | 19.26% | -407 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |