Niagara Falls, NY · Charter 31
Q2 1998
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 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.23% | 1.26% | 0.87% | -40.64% | 0.00% | -23 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -18.44% | -21.70% | -17.29% | -98.51% | -100.00% | -8,156 bps | |
| Loan Growth (YoY) | -33.52% | -41.03% | -67.99% | -100.00% | -100.00% | -6,648 bps | |
| Share Growth (YoY) | -22.34% | -24.78% | -21.06% | -100.00% | -100.00% | -7,766 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 27.46% | 43.90% | 93.22% | n/a | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 10.71% | 13.99% | 29.72% | n/a | n/a | n/a | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 23.62% | 20.31% | 10.23% | n/a | n/a | n/a | |
| Liquid Assets / Assets | 75.95% | 82.92% | 84.58% | 0.00% | 0.00% | -7,595 bps | |