Niagara Falls, NY · Charter 1317
NCUA · 1 branch
Q2 2024
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 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.51% | -0.91% | -4.52% | 0.21% | 0.21% | 0.22% | -0.90% | 0.02% | -20 bps | |
| Return on Equity | 3.38% | -6.26% | -33.10% | 1.45% | 1.35% | 1.42% | -5.92% | 0.12% | -132 bps | |
| Net Interest Margin | 3.68% | 3.78% | 3.46% | 3.85% | 4.06% | 4.14% | 4.11% | 4.37% | +52 bps | |
| Efficiency Ratio | 84.50% | 89.13% | 102.02% | 95.35% | 95.63% | 95.43% | 105.85% | 93.23% | -212 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.01% | -3.93% | -2.93% | -7.67% | -8.85% | -7.09% | -9.95% | -5.39% | +228 bps | |
| Loan Growth (YoY) | 6.90% | 4.65% | 10.84% | 9.14% | 6.59% | 7.55% | 2.27% | 4.28% | -486 bps | |
| Share Growth (YoY) | -0.20% | -4.11% | -2.72% | -8.22% | -9.54% | -8.32% | -11.51% | -6.40% | +182 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.37% | 0.05% | 0.42% | 0.38% | 1.09% | 0.88% | 0.40% | 0.39% | +1 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 | 0.66% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.03% | 14.48% | 13.66% | 14.84% | 15.58% | 15.77% | 15.18% | 15.81% | +97 bps | |
| Net Worth / Assets | 15.03% | 14.48% | 13.66% | 14.84% | 15.58% | 15.77% | 15.18% | 15.81% | +97 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.40% | 76.93% | 74.53% | 81.17% | 86.49% | 90.24% | 86.14% | 90.43% | +926 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |