Rochester, NY · Charter 12833
NCUA · 2 branches
Q1 2024
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.13% | -0.51% | -0.59% | -0.99% | -1.26% | -1.59% | -1.72% | -2.15% | -116 bps | |
| Return on Equity | -2.09% | -8.27% | -9.40% | -15.42% | -19.50% | -26.82% | -28.64% | -37.16% | -2,173 bps | |
| Net Interest Margin | 1.94% | 2.07% | 2.22% | 2.26% | 2.41% | 2.34% | 2.48% | 2.46% | +20 bps | |
| Efficiency Ratio | 102.93% | 112.24% | 114.11% | 129.56% | 133.31% | 146.93% | 149.06% | 167.60% | +3,804 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.72% | -9.26% | -8.16% | -12.21% | -15.73% | -15.26% | -18.81% | -17.96% | -575 bps | |
| Loan Growth (YoY) | 21.16% | 16.09% | 5.40% | -5.65% | -18.23% | -22.60% | -23.07% | -23.85% | -1,819 bps | |
| Share Growth (YoY) | -10.01% | -13.89% | -9.32% | -8.27% | -7.53% | -5.06% | -11.05% | -14.74% | -647 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.30% | 0.43% | 0.84% | 0.54% | 0.43% | 0.29% | 1.75% | 2.05% | +151 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 | 0.64% | 0.60% | 0.67% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.46% | 6.21% | 6.27% | 6.42% | 6.45% | 5.92% | 6.01% | 5.78% | -64 bps | |
| Net Worth / Assets | 6.46% | 6.21% | 6.27% | 6.42% | 6.45% | 5.92% | 6.01% | 5.78% | -64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 113.90% | 114.43% | 111.21% | 104.91% | 100.72% | 93.30% | 96.18% | 93.70% | -1,121 bps | |
| Liquid Assets / Assets | 99.61% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 99.78% | +9,978 bps | |