PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Lewiston Porter School Employees

Youngstown, NY · Charter 10728

NCUA · 1 branch

Q1 2025

$14.4MAssets
$6.7MLoans
$12.7MShares
$1.7MNet Worth

Executive Summary

  • Earnings: ROA of 0.45%, unchanged from a year ago; NIM at 2.43%.
  • Asset quality: problem loans at 0.74% of loans (-45 bps YoY).
  • Capital: net worth / assets of 11.51%, up 42 bps from a year ago.
  • Funding: loans stand at 52.24% of shares as of Q1 2025.

Return on Assets (quarter, annualized)

0.45%0 bps YoY

Net Interest Margin (quarter, annualized)

2.43%+15 bps YoY

Efficiency Ratio (quarter, annualized)

79.73%-172 bps YoY

Net Worth / Assets

11.51%+42 bps YoY

Discrete quarter, annualized.

MetricQ2 2023Q3 2023Q4 2023Q1 2024Q2 2024Q3 2024Q4 2024Q1 2025YoY ΔTrend
Earnings
Return on Assets0.53%0.56%0.41%0.46%0.38%0.44%0.33%0.45%0 bps
Return on Equity5.08%5.11%3.75%4.12%3.32%3.72%2.86%3.93%-19 bps
Net Interest Margin2.23%2.28%2.17%2.28%2.34%2.39%2.29%2.43%+15 bps
Efficiency Ratio78.04%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 / Loans1.73%0.76%1.23%1.19%1.20%4.10%3.98%0.74%-45 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.53%10.90%10.83%11.10%11.53%11.74%11.61%11.51%+42 bps
Net Worth / Assets10.53%10.90%10.83%11.10%11.53%11.74%11.61%11.51%+42 bps
Liquidity & Funding
Loans / Shares48.18%51.01%50.68%50.67%53.17%54.86%55.16%52.24%+157 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps