Middle Village, NY · Charter 61635
Q1 2010
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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.26% | -0.74% | -0.14% | 1.33% | -774% | -77,234 bps | |
| Return on Equity | -2.13% | -1.26% | -0.23% | 2.13% | n/a | n/a | |
| Net Interest Margin | 2.33% | 2.31% | 2.82% | 2.33% | 317% | +31,490 bps | |
| Efficiency Ratio | 114.72% | 103.75% | 105.91% | 64.23% | 344% | +22,914 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.44% | 1.28% | 0.99% | 10.95% | -99.90% | -10,135 bps | |
| Loan Growth (YoY) | -7.84% | -11.61% | -13.52% | -100.00% | -100.00% | -9,216 bps | |
| Share Growth (YoY) | 2.69% | 2.93% | 3.28% | 4.13% | -100.00% | -10,269 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.13% | 0.08% | 0.08% | 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 | 12.25% | 12.41% | 12.94% | n/a | n/a | n/a | |
| Capital | |||||||
| Risk-Based Capital | 59.30% | 58.94% | 59.02% | 62.52% | 0.00% | -5,930 bps | |
| Net Worth / Assets | 59.30% | 58.94% | 59.02% | 62.52% | 0.00% | -5,930 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 169.69% | 167.60% | 156.97% | 0.00% | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |