Rediform Niagara Falls NY
Niagara Falls, NY · Charter 1317 · Peer group: credit unions under $1B in assets in NY (n=118)
NCUA · 1 branch
Q2 2024
$11.0MAssets
$8.3MLoans
$9.2MShares
$1.7MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 84% of credit unions under $1B in assets in NY (rank 19 of 118).
- Widest gap: return on equity trails 86% of credit unions under $1B in assets in NY (rank 102 of 118).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.02%
Rank 102 of 118
Net Interest Margin
4.38%
Rank 19 of 118
Efficiency Ratio
93.09%
Rank 101 of 118
Equity / Assets
15.81%
Rank 19 of 118
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.02% | 0.29% | 0.72% | 1.20% | Beats 14% | 102 / 118 | n/a | |
| Return on Equity | 0.11% | 2.45% | 6.37% | 9.88% | Beats 14% | 102 / 118 | n/a | |
| Net Interest Margin | 4.38% | 2.94% | 3.41% | 4.08% | Beats 84% | 19 / 118 | n/a | |
| Efficiency Ratio | 93.09% | 67.85% | 78.90% | 88.11% | Beats 15% | 101 / 118 | n/a | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.40% | 0.22% | 0.62% | 1.24% | Beats 61% | 47 / 118 | n/a | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.81% | 9.33% | 11.37% | 13.62% | Beats 84% | 19 / 118 | n/a | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.81% | 9.33% | 11.37% | 13.62% | Beats 84% | 19 / 118 | n/a | |
| Liquidity & Funding |
| Loans / Deposits | 90.43% | 47.48% | 63.74% | 83.37% | 85th pctl | 18 / 118 | n/a | |
| Loans / Assets | 75.74% | 40.20% | 54.83% | 71.23% | 83rd pctl | 20 / 118 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |