Utica, NY · Charter 6909
Q4 1998
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 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.67% | 1.54% | -0.92% | 1.52% | 3.23% | +589 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -25.19% | -34.61% | -40.84% | -44.03% | -38.69% | -1,350 bps | |
| Loan Growth (YoY) | -42.49% | -75.13% | -84.79% | -87.43% | -89.01% | -4,652 bps | |
| Share Growth (YoY) | -25.38% | -36.24% | -41.63% | -45.27% | -45.18% | -1,980 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.13% | 18.50% | 32.22% | 21.93% | 40.50% | +3,338 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 27.14% | 52.42% | 82.84% | 100.00% | 100.00% | +7,286 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 26.55% | 16.12% | 10.79% | 8.35% | 5.32% | -2,123 bps | |
| Liquid Assets / Assets | 71.80% | 68.75% | 24.93% | 15.81% | 13.99% | -5,782 bps | |