Long Island Cty, NY · Charter 24569
Q3 2006
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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -6.62% | -4.90% | -0.38% | 0.23% | 0.13% | +675 bps | |
| Return on Equity | -46.26% | -33.70% | -2.36% | 1.38% | 0.77% | +4,703 bps | |
| Net Interest Margin | 4.51% | 4.63% | 5.52% | 5.48% | 5.29% | +78 bps | |
| Efficiency Ratio | 144.58% | 130.63% | 106.52% | 96.07% | 97.72% | -4,686 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -16.52% | -12.27% | -18.25% | -14.24% | -11.44% | +508 bps | |
| Loan Growth (YoY) | -4.73% | -5.64% | -5.36% | -5.50% | -14.40% | -967 bps | |
| Share Growth (YoY) | -13.78% | -9.59% | -16.83% | -16.84% | -13.63% | +15 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 18.27% | 20.23% | 13.88% | 12.97% | 15.88% | -239 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.22% | 4.17% | 4.15% | 3.99% | 4.26% | +4 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.31% | 14.53% | 16.05% | 16.34% | 16.37% | +206 bps | |
| Net Worth / Assets | 14.31% | 14.53% | 16.05% | 16.34% | 16.37% | +206 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 53.76% | 50.93% | 55.22% | 54.08% | 53.28% | -48 bps | |
| Liquid Assets / Assets | 22.56% | 32.17% | 26.73% | 0.00% | 0.00% | -2,256 bps | |