Elma, NY · Charter 15662
NCUA · 1 branch
Q1 2023
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 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.46% | 0.64% | 0.41% | 0.37% | 0.15% | 0.08% | 0.00% | 0.26% | -10 bps | |
| Return on Equity | 6.44% | 8.42% | 5.69% | 5.21% | 2.19% | 1.12% | -0.06% | 3.37% | -183 bps | |
| Net Interest Margin | 1.80% | 1.82% | 1.69% | 1.47% | 1.49% | 1.62% | 1.75% | 2.11% | +64 bps | |
| Efficiency Ratio | 77.92% | 73.14% | 80.46% | 80.40% | 90.89% | 95.30% | 100.24% | 87.57% | +717 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.74% | 2.72% | 5.16% | 2.71% | 4.22% | 2.27% | -6.85% | -10.37% | -1,308 bps | |
| Loan Growth (YoY) | -5.14% | -3.71% | -13.04% | -13.30% | 5.57% | 17.55% | 36.01% | 30.25% | +4,355 bps | |
| Share Growth (YoY) | 2.68% | 2.32% | 5.07% | 2.58% | 4.28% | 2.46% | -7.37% | -11.05% | -1,362 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.31% | 0.31% | 0.33% | 0.32% | 0.29% | 0.26% | 0.24% | 0.24% | -7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.09% | 7.60% | 7.21% | 7.07% | 7.07% | 7.45% | 7.75% | 7.84% | +78 bps | |
| Net Worth / Assets | 7.09% | 7.60% | 7.21% | 7.07% | 7.07% | 7.45% | 7.75% | 7.84% | +78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.16% | 58.20% | 52.44% | 51.77% | 56.86% | 66.78% | 77.00% | 75.80% | +2,403 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |