Ballston Spa, NY · Charter 10022
NCUA · 3 branches
Q3 2020
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 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -5.66% | -6.79% | 6.39% | 3.01% | -17.47% | -1,181 bps | |
| Return on Equity | -19.09% | -23.05% | 21.94% | 10.33% | -104.47% | -8,538 bps | |
| Net Interest Margin | 2.25% | 2.27% | 1.65% | 1.77% | -14.26% | -1,651 bps | |
| Efficiency Ratio | 95.11% | 133.07% | 188.85% | 152.60% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -6.21% | -3.63% | -1.04% | 4.53% | -6.38% | -18 bps | |
| Loan Growth (YoY) | -26.44% | -31.38% | -30.12% | -37.95% | -49.58% | -2,314 bps | |
| Share Growth (YoY) | -2.92% | 5.27% | 6.34% | 7.78% | 12.43% | +1,535 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 10.83% | 7.74% | 1.89% | 0.00% | 0.00% | -1,083 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 12.34% | 15.99% | 6.88% | 6.21% | 8.58% | -376 bps | |
| Capital | |||||||
| Risk-Based Capital | 29.65% | 29.47% | 29.10% | 29.12% | 16.72% | -1,293 bps | |
| Net Worth / Assets | 29.65% | 29.47% | 29.10% | 29.12% | 16.72% | -1,293 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 32.53% | 30.89% | 26.16% | 21.05% | 14.59% | -1,794 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |