Forest Hills, NY · Charter 62867
Q3 2006
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 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.63% | 0.66% | 0.40% | 0.25% | 0.23% | -39 bps | |
| Return on Equity | 5.14% | 5.15% | 3.18% | 1.94% | 1.73% | -340 bps | |
| Net Interest Margin | 3.25% | 3.29% | 3.07% | 2.81% | 2.90% | -35 bps | |
| Efficiency Ratio | 55.55% | 52.82% | 61.56% | 63.49% | 63.10% | +755 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.73% | -10.61% | -8.77% | -8.28% | -6.60% | -287 bps | |
| Loan Growth (YoY) | -6.89% | -14.61% | -11.80% | -4.62% | -0.90% | +598 bps | |
| Share Growth (YoY) | 4.13% | -6.34% | -3.99% | -3.35% | -0.70% | -483 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.67% | 11.80% | 8.60% | 10.16% | 7.20% | -247 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.36% | 1.67% | 1.79% | 1.97% | 1.92% | +56 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.22% | 12.75% | 12.75% | 12.72% | 13.44% | +122 bps | |
| Net Worth / Assets | 12.22% | 12.75% | 12.75% | 12.72% | 13.44% | +122 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 124.61% | 125.87% | 123.97% | 120.51% | 124.36% | -26 bps | |
| Liquid Assets / Assets | 0.83% | 0.71% | 0.81% | 0.00% | 0.00% | -83 bps | |