Poughkeepsie, NY · Charter 15802
NCUA · 20 branches
Q3 2019
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 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.73% | 0.85% | 0.78% | 0.10% | 0.45% | -29 bps | |
| Return on Equity | 6.65% | 7.60% | 7.08% | 0.97% | 4.16% | -250 bps | |
| Net Interest Margin | 2.99% | 2.95% | 3.01% | 2.85% | 2.82% | -16 bps | |
| Efficiency Ratio | 58.78% | 57.45% | 61.53% | 65.85% | 63.77% | +498 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.01% | 5.41% | 5.99% | 8.16% | 8.37% | +436 bps | |
| Loan Growth (YoY) | 11.28% | 9.18% | 8.63% | 8.15% | 2.80% | -848 bps | |
| Share Growth (YoY) | 4.43% | 5.61% | 4.86% | 6.75% | 6.88% | +246 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.24% | 1.08% | 1.10% | 1.13% | 0.55% | -69 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.01% | 2.02% | 2.00% | 2.45% | 0.89% | -112 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.05% | 11.19% | 11.08% | 10.52% | 10.75% | -30 bps | |
| Net Worth / Assets | 11.05% | 11.19% | 11.08% | 10.52% | 10.75% | -30 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.16% | 68.44% | 67.49% | 66.64% | 65.56% | -260 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |