Buffalo, NY · Charter 6482
Q2 2013
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 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.84% | -1.43% | -0.88% | -15.71% | -8.84% | -700 bps | |
| Return on Equity | -10.83% | -8.26% | -5.00% | -117.90% | -67.63% | -5,680 bps | |
| Net Interest Margin | 1.14% | 1.32% | 1.37% | 1.96% | 1.60% | +46 bps | |
| Efficiency Ratio | 239% | 165.24% | 135.05% | 35.41% | 112.34% | -12,703 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.05% | -3.96% | 3.00% | 1.44% | -2.45% | -550 bps | |
| Loan Growth (YoY) | -12.86% | 94.91% | 133.32% | 105.84% | 69.40% | +8,225 bps | |
| Share Growth (YoY) | 8.19% | -0.38% | 4.82% | 7.99% | 2.17% | -603 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.62% | 17.45% | 3.42% | 13.97% | +1,397 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.26% | 1.93% | 1.87% | 4.71% | 5.18% | +292 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.99% | 17.27% | 17.59% | 13.32% | 13.07% | -392 bps | |
| Net Worth / Assets | 16.99% | 17.27% | 17.59% | 13.32% | 13.07% | -392 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 15.97% | 38.40% | 40.10% | 29.74% | 26.48% | +1,051 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |