Olean, NY · Charter 921
Q3 2012
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 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.02% | 0.02% | 0.15% | 0.11% | 0.16% | +15 bps | |
| Return on Equity | 0.19% | 0.29% | 1.98% | 1.43% | 1.80% | +161 bps | |
| Net Interest Margin | 3.71% | 3.74% | 3.48% | 3.19% | 3.52% | -19 bps | |
| Efficiency Ratio | 99.71% | 99.55% | 96.62% | 97.33% | 96.64% | -307 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.13% | -0.10% | 4.49% | 2.43% | -9.43% | -830 bps | |
| Loan Growth (YoY) | 0.72% | -9.47% | -15.77% | -24.28% | -32.41% | -3,313 bps | |
| Share Growth (YoY) | 2.09% | -2.02% | 4.28% | 2.32% | -10.41% | -1,250 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.14% | 3.59% | 4.34% | 2.83% | 1.90% | -125 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.05% | 2.21% | 2.79% | 3.19% | 3.18% | +113 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.98% | 8.16% | 7.78% | 7.97% | 8.94% | +96 bps | |
| Net Worth / Assets | 7.98% | 8.16% | 7.78% | 7.97% | 8.94% | +96 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 43.31% | 41.34% | 33.39% | 32.58% | 32.68% | -1,063 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |