Lewiston, NY · Charter 15043
NCUA · 1 branch
Q3 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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.36% | -0.97% | -0.15% | -0.50% | -4.52% | -416 bps | |
| Return on Equity | -3.44% | -9.69% | -1.60% | -5.49% | -42.39% | -3,895 bps | |
| Net Interest Margin | 2.26% | 2.26% | 2.28% | 2.08% | 2.25% | -1 bps | |
| Efficiency Ratio | 103.33% | 108.14% | 105.83% | 120.90% | 223% | +11,959 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.12% | 4.74% | 9.17% | 3.24% | -11.32% | -1,244 bps | |
| Loan Growth (YoY) | -1.44% | 1.03% | -9.28% | -12.48% | -13.80% | -1,236 bps | |
| Share Growth (YoY) | 1.63% | 5.60% | 10.49% | 4.09% | -10.19% | -1,181 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.17% | 0.13% | 0.19% | 0.58% | 2.45% | +228 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.23% | 1.48% | 1.73% | 1.82% | 4.52% | +429 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.38% | 10.02% | 9.42% | 9.11% | 10.65% | +27 bps | |
| Net Worth / Assets | 10.38% | 10.02% | 9.42% | 9.11% | 10.65% | +27 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 45.46% | 49.28% | 40.94% | 38.88% | 43.63% | -183 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |