Auburn, NY · Charter 8917
Q2 2004
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 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.17% | 0.14% | 0.13% | 0.18% | 0.25% | +8 bps | |
| Return on Equity | 0.88% | 0.73% | 0.68% | 0.93% | 1.16% | +28 bps | |
| Net Interest Margin | 3.11% | 3.22% | 3.11% | 3.25% | 3.54% | +43 bps | |
| Efficiency Ratio | 93.04% | 89.98% | 90.42% | 88.17% | 87.95% | -509 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.09% | 0.63% | 1.69% | -2.13% | -9.56% | -1,065 bps | |
| Loan Growth (YoY) | 1.20% | 7.55% | 18.45% | 12.87% | -3.11% | -431 bps | |
| Share Growth (YoY) | 0.91% | 0.61% | 1.91% | -2.79% | -11.84% | -1,275 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.33% | 0.64% | 0.61% | 0.62% | 0.61% | +28 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.52% | 0.72% | 0.77% | 0.88% | 0.95% | +43 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.16% | 19.41% | 18.93% | 19.64% | 21.34% | +218 bps | |
| Net Worth / Assets | 19.16% | 19.41% | 18.93% | 19.64% | 21.34% | +218 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.86% | 69.17% | 68.54% | 70.19% | 74.58% | +672 bps | |
| Liquid Assets / Assets | 44.54% | 43.75% | 43.71% | 43.00% | 40.78% | -375 bps | |