Montrose, NY · Charter 6979
Q4 2011
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 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.23% | -3.20% | -2.91% | -3.76% | -3.47% | +76 bps | |
| Return on Equity | -34.96% | -36.54% | -38.02% | -49.14% | -67.42% | -3,246 bps | |
| Net Interest Margin | 2.95% | 2.27% | 2.20% | 2.60% | 2.42% | -53 bps | |
| Efficiency Ratio | 172.46% | 179.53% | 172.73% | 180.48% | 178.90% | +644 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -13.38% | -0.47% | 10.19% | -7.78% | 9.29% | +2,266 bps | |
| Loan Growth (YoY) | -7.13% | -26.24% | -23.74% | -14.06% | -17.08% | -995 bps | |
| Share Growth (YoY) | -10.71% | 5.23% | 17.92% | -3.40% | 17.84% | +2,855 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.35% | 8.59% | 7.09% | 6.16% | 0.39% | -696 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.66% | 2.44% | 1.41% | 1.39% | 1.49% | -117 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.11% | 8.77% | 7.67% | 7.66% | 5.15% | -696 bps | |
| Net Worth / Assets | 12.11% | 8.77% | 7.67% | 7.66% | 5.15% | -696 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 30.97% | 24.10% | 21.71% | 25.41% | 21.79% | -918 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |