Albany, NY · Charter 5670
Q2 2001
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 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.60% | 0.77% | 0.46% | -0.22% | 2.63% | +3 bps | |
| Return on Equity | n/a | n/a | n/a | -0.97% | 11.78% | n/a | |
| Net Interest Margin | n/a | 5.62% | 6.50% | 7.44% | 5.47% | n/a | |
| Efficiency Ratio | n/a | 87.13% | 66.00% | 84.90% | 59.72% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -9.84% | -15.47% | -16.88% | -23.34% | -13.59% | -374 bps | |
| Loan Growth (YoY) | -13.54% | 2.86% | 5.16% | 1.06% | 10.56% | +2,410 bps | |
| Share Growth (YoY) | -9.22% | -17.79% | -18.81% | -26.19% | -18.28% | -906 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.32% | 3.84% | 2.06% | 5.90% | 7.67% | +535 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.33% | 0.41% | 2.12% | 1.74% | 1.70% | -63 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 22.31% | 22.35% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 22.31% | 22.35% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.18% | 78.39% | 76.58% | 91.19% | 85.47% | +2,229 bps | |
| Liquid Assets / Assets | 41.60% | 19.23% | 7.44% | 22.26% | 33.43% | -817 bps | |