Peru, NY · Charter 15516
NCUA · 4 branches
Q3 2025
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.74% | 0.81% | 0.51% | 0.16% | 0.24% | -0.49% | -1.87% | -1.32% | -148 bps | |
| Return on Equity | 8.78% | 9.87% | 6.32% | 1.96% | 2.90% | -6.18% | -26.02% | -18.63% | -2,058 bps | |
| Net Interest Margin | 3.82% | 3.78% | 3.66% | 3.75% | 3.74% | 3.93% | 3.53% | 3.71% | -4 bps | |
| Efficiency Ratio | 80.64% | 80.79% | 79.10% | 87.42% | 85.75% | 94.91% | 121.15% | 113.79% | +2,637 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.51% | 2.19% | 5.55% | 2.62% | 5.74% | 1.84% | 2.99% | 6.60% | +398 bps | |
| Loan Growth (YoY) | -0.33% | 0.33% | 0.14% | 4.13% | 4.98% | 4.01% | 5.91% | 3.11% | -102 bps | |
| Share Growth (YoY) | -1.87% | 1.57% | 5.30% | 3.03% | 5.24% | 1.74% | 3.59% | 6.43% | +339 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.73% | 0.88% | 1.71% | 0.84% | 2.11% | 0.91% | 1.69% | 1.59% | +75 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 | 0.27% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.43% | 8.24% | 8.13% | 8.20% | 8.21% | 8.01% | 7.20% | 7.08% | -111 bps | |
| Net Worth / Assets | 8.43% | 8.24% | 8.13% | 8.20% | 8.21% | 8.01% | 7.20% | 7.08% | -111 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.32% | 79.40% | 78.14% | 81.39% | 82.12% | 81.18% | 79.89% | 78.85% | -254 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |