Buffalo, NY · Charter 7453
Q4 2008
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 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.04% | -1.19% | -0.57% | -0.52% | -12.59% | -1,364 bps | |
| Return on Equity | 3.69% | -4.22% | -2.08% | -1.81% | -72.37% | -7,606 bps | |
| Net Interest Margin | 4.80% | 3.47% | 3.70% | 3.65% | -8.68% | -1,348 bps | |
| Efficiency Ratio | 78.75% | 132.07% | 114.80% | 113.77% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -11.97% | -12.95% | -9.41% | -6.14% | -7.56% | +441 bps | |
| Loan Growth (YoY) | -40.83% | -39.68% | -21.73% | -26.94% | -24.64% | +1,619 bps | |
| Share Growth (YoY) | -16.81% | -17.41% | -12.26% | -8.11% | 6.94% | +2,376 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 10.49% | 21.88% | 21.36% | 22.13% | 21.59% | +1,110 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.89% | 3.01% | 2.73% | 3.39% | 7.30% | +341 bps | |
| Capital | |||||||
| Risk-Based Capital | 28.21% | 28.28% | 27.62% | 28.82% | 17.40% | -1,081 bps | |
| Net Worth / Assets | 28.21% | 28.28% | 27.62% | 28.82% | 17.40% | -1,081 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 29.01% | 26.50% | 28.21% | 25.66% | 20.44% | -857 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |