Port Ewen, NY · Charter 9732
Q2 2003
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 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -5.59% | -3.88% | -3.29% | -0.52% | -0.41% | +518 bps | |
| Return on Equity | -36.16% | -28.51% | -21.25% | -3.60% | -2.99% | +3,317 bps | |
| Net Interest Margin | 6.11% | 5.43% | 6.00% | 5.01% | 5.20% | -91 bps | |
| Efficiency Ratio | 84.60% | 98.37% | 98.47% | 109.52% | 107.94% | +2,334 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.13% | 14.60% | -6.47% | 14.14% | 7.58% | +1,171 bps | |
| Loan Growth (YoY) | -3.32% | -14.39% | -18.79% | -22.17% | -20.92% | -1,759 bps | |
| Share Growth (YoY) | -1.76% | 23.86% | 0.73% | 22.51% | 9.87% | +1,164 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.19% | 0.00% | 0.00% | 0.00% | 2.67% | +148 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.02% | 3.37% | 3.43% | 5.24% | 5.61% | +259 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.46% | 13.60% | 15.49% | 14.39% | 13.79% | -167 bps | |
| Net Worth / Assets | 15.46% | 13.60% | 15.49% | 14.39% | 13.79% | -167 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.21% | 60.64% | 66.51% | 61.45% | 54.85% | -2,136 bps | |
| Liquid Assets / Assets | 33.68% | 46.20% | 31.76% | 46.81% | 52.40% | +1,872 bps | |