Rochester, NY · Charter 14268
NCUA · 1 branch
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 30, 2016, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Rochester, NY · Charter 14268
NCUA · 1 branch
Q2 2016
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 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.28% | -0.24% | -0.25% | -0.52% | -0.33% | -5 bps | |
| Return on Equity | -4.55% | -3.74% | -4.10% | -8.73% | -5.75% | -121 bps | |
| Net Interest Margin | 3.62% | 3.73% | 3.65% | 3.54% | 3.48% | -14 bps | |
| Efficiency Ratio | 106.40% | 105.18% | 105.64% | 111.96% | 107.71% | +131 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.73% | -3.84% | 0.11% | -0.17% | 4.00% | +973 bps | |
| Loan Growth (YoY) | 14.85% | 0.69% | 4.03% | 6.02% | 9.44% | -541 bps | |
| Share Growth (YoY) | -5.46% | -3.34% | 0.47% | 0.16% | 4.60% | +1,007 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.31% | 1.35% | 1.12% | 1.45% | 1.35% | +4 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.03% | 1.03% | 0.97% | 0.97% | 0.91% | -12 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.18% | 6.37% | 6.16% | 5.92% | 5.67% | -51 bps | |
| Net Worth / Assets | 6.18% | 6.37% | 6.16% | 5.92% | 5.67% | -51 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.94% | 73.25% | 73.80% | 72.51% | 74.22% | +328 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |