Jamestown, NY · Charter 24696
Q2 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 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.14% | -0.97% | -4.36% | 2.67% | 3.91% | +404 bps | |
| Return on Equity | -1.50% | -13.79% | -111.34% | 58.56% | 67.00% | +6,850 bps | |
| Net Interest Margin | 3.56% | 3.63% | 3.93% | 3.91% | 4.30% | +74 bps | |
| Efficiency Ratio | 28.41% | 25.21% | 23.76% | 35.62% | 26.27% | -214 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.66% | 2.31% | -6.77% | -5.85% | -5.57% | -1,024 bps | |
| Loan Growth (YoY) | 83.77% | 47.44% | -36.35% | -43.15% | -70.92% | -15,469 bps | |
| Share Growth (YoY) | -3.50% | 4.58% | -2.98% | -3.18% | -3.75% | -25 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 17.40% | 24.04% | 15.86% | 20.09% | 10.47% | -692 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.37% | 5.74% | 14.40% | 19.01% | 17.68% | +1,731 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.10% | 7.03% | 3.92% | 4.57% | 5.83% | -327 bps | |
| Net Worth / Assets | 9.10% | 7.03% | 3.92% | 4.57% | 5.83% | -327 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 39.39% | 32.85% | 23.07% | 17.49% | 11.90% | -2,749 bps | |
| Liquid Assets / Assets | 62.78% | 70.03% | 79.71% | 85.16% | 0.00% | -6,278 bps | |