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 | |