Kenmore, NY · Charter 7937
Q3 2012
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 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.01% | -0.06% | -0.42% | -0.42% | -0.18% | -19 bps | |
| Return on Equity | 0.07% | -0.87% | -6.20% | -6.22% | -2.70% | -278 bps | |
| Net Interest Margin | 4.20% | 4.32% | 3.83% | 3.84% | 3.79% | -41 bps | |
| Efficiency Ratio | 97.19% | 99.05% | 105.63% | 106.89% | 101.97% | +478 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.11% | -5.18% | -0.98% | -4.16% | 0.35% | +24 bps | |
| Loan Growth (YoY) | -9.86% | -15.07% | -12.91% | -8.25% | -4.57% | +529 bps | |
| Share Growth (YoY) | 0.86% | -3.28% | -0.76% | -4.13% | -0.28% | -114 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.60% | 4.19% | 2.56% | 1.41% | 1.09% | -52 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.65% | 1.69% | 1.08% | 1.00% | 1.01% | -64 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.06% | 7.25% | 6.80% | 6.82% | 6.83% | -23 bps | |
| Net Worth / Assets | 7.06% | 7.25% | 6.80% | 6.82% | 6.83% | -23 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.27% | 61.06% | 52.71% | 55.08% | 57.68% | -259 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 97.02% | 0.00% | 0.00% | 0 bps | |