Buffalo, NY · Charter 4099
Q1 2004
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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.44% | -1.24% | -1.52% | -3.52% | -0.20% | +124 bps | |
| Return on Equity | -10.48% | -9.05% | -11.50% | -27.94% | -1.53% | +895 bps | |
| Net Interest Margin | 4.67% | 4.83% | 4.64% | 5.06% | 4.27% | -40 bps | |
| Efficiency Ratio | 130.82% | 125.41% | 132.50% | 135.94% | 91.44% | -3,938 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.48% | -11.70% | -5.90% | -12.96% | -15.37% | -1,089 bps | |
| Loan Growth (YoY) | -28.46% | -20.86% | -16.13% | -16.83% | -12.28% | +1,618 bps | |
| Share Growth (YoY) | -3.90% | -12.30% | -5.14% | -11.29% | -14.45% | -1,055 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 10.16% | 6.83% | 16.82% | 13.65% | 15.21% | +504 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.56% | 1.70% | 1.72% | 1.93% | 2.25% | +69 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.78% | 13.68% | 13.22% | 12.59% | 13.01% | -77 bps | |
| Net Worth / Assets | 13.78% | 13.68% | 13.22% | 12.59% | 13.01% | -77 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.23% | 60.33% | 59.39% | 63.44% | 63.81% | +158 bps | |
| Liquid Assets / Assets | 44.58% | 34.85% | 41.35% | 43.98% | 39.40% | -517 bps | |