East Syracuse, NY · Charter 13037
NCUA · 2 branches
Q1 2022
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.03% | 1.24% | 1.44% | 1.22% | 0.78% | -25 bps | |
| Return on Equity | 10.51% | 12.52% | 13.67% | 11.66% | 7.53% | -299 bps | |
| Net Interest Margin | 2.20% | 2.11% | 2.19% | 2.07% | 1.77% | -43 bps | |
| Efficiency Ratio | 63.46% | 63.65% | 59.77% | 64.95% | 69.25% | +579 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 20.53% | 11.75% | 11.13% | 10.42% | 5.84% | -1,468 bps | |
| Loan Growth (YoY) | 12.10% | 9.70% | 0.47% | -16.07% | -16.22% | -2,832 bps | |
| Share Growth (YoY) | 22.36% | 12.31% | 10.80% | 9.96% | 5.14% | -1,722 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.01% | 0.04% | 0.15% | 0.17% | +17 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.17% | 0.20% | 0.22% | 0.20% | 0.24% | +6 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.78% | 9.92% | 10.51% | 10.43% | 10.38% | +60 bps | |
| Net Worth / Assets | 9.78% | 9.92% | 10.51% | 10.43% | 10.38% | +60 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 38.30% | 36.31% | 35.05% | 32.39% | 30.52% | -778 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |