PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Morse Chain Ithaca Employees

Ithaca, NY · Charter 68610

Q1 2011

$5.5MAssets
$3.5MLoans
$5.1MShares
$415KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -1.13%; NIM at 3.51%.
  • Asset quality: problem loans at 2.39% of loans.
  • Capital: net worth / assets of 7.48%.
  • Funding: loans stand at 68.32% of shares as of Q1 2011.

Financial Results

Return on Assets (YTD, annualized)

-1.13%

Net Interest Margin (YTD, annualized)

3.51%

Efficiency Ratio (YTD, annualized)

120.74%

Net Worth / Assets

7.48%

Year to date, annualized, through each quarter.

MetricQ1 2011YoY ΔTrend
Earnings
Return on Assets-1.13%n/an/a
Return on Equity-15.10%n/an/a
Net Interest Margin3.51%n/an/a
Efficiency Ratio120.74%n/an/a
Growth
Asset Growth (YoY)n/an/an/a
Loan Growth (YoY)n/an/an/a
Share Growth (YoY)n/an/an/a
Asset Quality
Delinquent Loans / Loans2.39%n/an/a
Net Charge-Offs / Loansn/an/an/a
Allowance / Loans1.26%n/an/a
Capital
Risk-Based Capital7.48%n/an/a
Net Worth / Assets7.48%n/an/a
Liquidity & Funding
Loans / Shares68.32%n/an/a
Liquid Assets / Assets0.00%n/an/a