Buffalo, NY · Charter 11524
NCUA · 2 branches
Q4 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2024, the quarter ended December 31, 2024, 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=110 to 111). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
0
Asset Quality
100
Profitability
34
Liquidity
48
Efficiency
7
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.
Buffalo, NY · Charter 11524
NCUA · 2 branches
Q4 2024
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.24% | 0.39% | 0.43% | -0.15% | -0.35% | +89 bps | |
| Return on Equity | -27.53% | 8.48% | 9.30% | -3.06% | -7.17% | +2,036 bps | |
| Net Interest Margin | 4.72% | 4.43% | 4.44% | 4.98% | 5.02% | +30 bps | |
| Efficiency Ratio | 78.05% | 92.76% | 86.67% | 92.82% | 95.37% | +1,732 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.86% | -1.27% | -5.40% | -16.04% | -13.35% | -748 bps | |
| Loan Growth (YoY) | 13.61% | -8.41% | -19.52% | -24.63% | -26.57% | -4,018 bps | |
| Share Growth (YoY) | -4.83% | -0.07% | 1.24% | -14.61% | -13.85% | -902 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.72% | 0.00% | 0.00% | 0.92% | 0.00% | -72 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.14% | 1.79% | 1.79% | 2.99% | 3.42% | +128 bps | |
| Capital | |||||||
| Risk-Based Capital | 4.51% | 4.63% | 4.65% | 5.00% | 4.86% | +35 bps | |
| Net Worth / Assets | 4.51% | 4.63% | 4.65% | 5.00% | 4.86% | +35 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 93.49% | 87.29% | 82.79% | 87.04% | 79.69% | -1,380 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Buffalo, NY · Charter 11524 · Peer group: credit unions under $1B in assets in NY (n=110-111)
NCUA · 2 branches
Q4 2024
Return on Assets
-0.34%
Rank 104 of 111
Net Interest Margin
5.01%
Rank 9 of 111
Efficiency Ratio
95.57%
Rank 103 of 110
Equity / Assets
4.85%
Rank 111 of 111
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.34% | 0.25% | 0.80% | 1.21% | Beats 6% | 104 / 111 | |
| Return on Equity | -7.00% | 2.48% | 6.09% | 9.70% | Beats 5% | 105 / 111 | |
| Net Interest Margin | 5.01% | 3.05% | 3.43% | 4.04% | Beats 92% | 9 / 111 | |
| Efficiency Ratio | 95.57% | 68.65% | 77.81% | 85.76% | Beats 7% | 103 / 110 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.28% | 0.66% | 1.45% | Beats 100% | 12 / 111 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 4.86% | 9.76% | 11.70% | 14.28% | Beats 0% | 111 / 111 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 4.85% | 9.75% | 11.71% | 14.28% | Beats 0% | 111 / 111 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 79.69% | 46.74% | 63.74% | 82.89% | 71st pctl | 32 / 111 | |
| Loans / Assets | 75.31% | 39.03% | 56.30% | 71.30% | 82nd pctl | 20 / 111 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||