Youngstown, NY · Charter 10728
NCUA · 1 branch
Q1 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2025, the quarter ended March 31, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in NY (n=109). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
49
Asset Quality
43
Profitability
21
Liquidity
68
Efficiency
40
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Youngstown, NY · Charter 10728
NCUA · 1 branch
Q1 2025
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 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.53% | 0.56% | 0.41% | 0.46% | 0.38% | 0.44% | 0.33% | 0.45% | 0 bps | |
| Return on Equity | 5.08% | 5.11% | 3.75% | 4.12% | 3.32% | 3.72% | 2.86% | 3.93% | -19 bps | |
| Net Interest Margin | 2.23% | 2.28% | 2.17% | 2.28% | 2.34% | 2.39% | 2.29% | 2.43% | +15 bps | |
| Efficiency Ratio | 78.04% | 77.53% | 82.77% | 81.45% | 84.65% | 82.93% | 84.69% | 79.73% | -172 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.50% | -1.30% | 0.14% | -1.76% | -6.09% | -4.70% | -4.17% | -0.99% | +77 bps | |
| Loan Growth (YoY) | 25.75% | 29.07% | 21.59% | 9.51% | 2.50% | 1.55% | 3.39% | 1.60% | -791 bps | |
| Share Growth (YoY) | -1.85% | -1.79% | -0.18% | -2.28% | -7.13% | -5.59% | -5.01% | -1.46% | +82 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.73% | 0.76% | 1.23% | 1.19% | 1.20% | 4.10% | 3.98% | 0.74% | -45 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.53% | 10.90% | 10.83% | 11.10% | 11.53% | 11.74% | 11.61% | 11.51% | +42 bps | |
| Net Worth / Assets | 10.53% | 10.90% | 10.83% | 11.10% | 11.53% | 11.74% | 11.61% | 11.51% | +42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.18% | 51.01% | 50.68% | 50.67% | 53.17% | 54.86% | 55.16% | 52.24% | +157 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Youngstown, NY · Charter 10728 · Peer group: credit unions under $1B in assets in NY (n=109)
NCUA · 1 branch
Q1 2025
Return on Assets
0.44%
Rank 78 of 109
Net Interest Margin
2.44%
Rank 100 of 109
Efficiency Ratio
79.57%
Rank 66 of 109
Equity / Assets
11.51%
Rank 56 of 109
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.44% | 0.36% | 0.84% | 1.30% | Beats 28% | 78 / 109 | ||
| Return on Equity | 3.86% | 3.10% | 6.81% | 10.90% | Beats 28% | 79 / 109 | ||
| Net Interest Margin | 2.44% | 3.06% | 3.52% | 4.06% | Beats 8% | 100 / 109 | ||
| Efficiency Ratio | 79.57% | 63.56% | 76.40% | 85.71% | Beats 40% | 66 / 109 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.74% | 0.19% | 0.56% | 1.08% | Beats 43% | 63 / 109 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.51% | 10.08% | 11.63% | 14.25% | Beats 49% | 56 / 109 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.51% | 10.08% | 11.63% | 14.25% | Beats 49% | 56 / 109 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 52.24% | 44.09% | 62.26% | 78.49% | 35th pctl | 71 / 109 | ||
| Loans / Assets | 46.21% | 37.69% | 54.60% | 68.73% | 37th pctl | 69 / 109 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||