Gloversville, NY · Charter 2737
Q3 2012
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 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.03% | 1.00% | 1.37% | 0.63% | 0.20% | -83 bps | |
| Return on Equity | 4.22% | 4.18% | 5.57% | 2.57% | 0.83% | -338 bps | |
| Net Interest Margin | 2.96% | 2.90% | 3.01% | 2.73% | 2.54% | -42 bps | |
| Efficiency Ratio | 64.85% | 65.15% | 55.74% | 77.63% | 92.37% | +2,752 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.14% | 6.73% | 0.55% | 3.28% | 2.83% | -231 bps | |
| Loan Growth (YoY) | -4.12% | -3.90% | -1.12% | 0.24% | 1.43% | +555 bps | |
| Share Growth (YoY) | 4.67% | 7.11% | -0.70% | 3.15% | 2.70% | -197 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.10% | 0.10% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.70% | 0.70% | 0.70% | 0.69% | 0.59% | -11 bps | |
| Capital | |||||||
| Risk-Based Capital | 24.34% | 24.00% | 24.56% | 24.52% | 24.07% | -27 bps | |
| Net Worth / Assets | 24.34% | 24.00% | 24.56% | 24.52% | 24.07% | -27 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 49.62% | 48.23% | 48.70% | 50.02% | 49.00% | -62 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |