Marcy, NY · Charter 7315
Q3 2006
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.16% | 0.10% | -0.23% | 0.05% | 0.12% | -4 bps | |
| Return on Equity | 0.91% | 0.58% | -1.37% | 0.25% | 0.66% | -25 bps | |
| Net Interest Margin | 3.40% | 3.45% | 3.33% | 3.64% | 3.63% | +23 bps | |
| Efficiency Ratio | 94.86% | 94.47% | 104.32% | 98.68% | 94.81% | -5 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.25% | 1.98% | 4.81% | 1.23% | 0.72% | -54 bps | |
| Loan Growth (YoY) | 0.97% | 3.80% | 1.78% | 14.51% | 17.95% | +1,698 bps | |
| Share Growth (YoY) | 1.29% | 2.15% | 5.73% | 1.18% | 0.66% | -63 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.75% | 0.45% | 0.45% | 0.32% | 0.44% | -31 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.36% | 0.38% | 0.35% | 0.23% | 0.21% | -15 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.60% | 17.63% | 17.03% | 17.85% | 17.55% | -6 bps | |
| Net Worth / Assets | 17.60% | 17.63% | 17.03% | 17.85% | 17.55% | -6 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.36% | 69.03% | 65.68% | 78.28% | 77.76% | +1,140 bps | |
| Liquid Assets / Assets | 25.33% | 20.42% | 23.33% | 0.00% | 0.00% | -2,533 bps | |