Webster, NY · Charter 16335
NCUA · 1 branch
Q3 2020
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 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.31% | 0.23% | 0.33% | 0.43% | 0.42% | 0.18% | -0.12% | -0.19% | -62 bps | |
| Return on Equity | 3.99% | 2.97% | 4.37% | 5.35% | 5.14% | 2.30% | -1.76% | -2.73% | -808 bps | |
| Net Interest Margin | 3.28% | 3.31% | 3.21% | 3.45% | 3.51% | 3.19% | 2.71% | 2.56% | -88 bps | |
| Efficiency Ratio | 92.14% | 93.37% | 90.79% | 88.69% | 88.66% | 95.30% | 101.77% | 103.97% | +1,528 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.26% | 2.31% | 1.49% | 1.34% | 1.00% | 1.51% | 7.53% | 14.14% | +1,280 bps | |
| Loan Growth (YoY) | 3.21% | 1.43% | -1.88% | -0.48% | 2.49% | 1.61% | -7.70% | -9.95% | -947 bps | |
| Share Growth (YoY) | -0.10% | 1.18% | 0.75% | 0.44% | 0.76% | 2.35% | 8.76% | 16.53% | +1,609 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.11% | 0.09% | 0.01% | 0.18% | 0.06% | 0.00% | 0.03% | 0.00% | -18 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 | 0.35% | 0.39% | 0.33% | 0.36% | 0.36% | 0.32% | 0.39% | 0.45% | +10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.84% | 7.61% | 7.47% | 7.99% | 8.20% | 7.88% | 7.12% | 6.95% | -104 bps | |
| Net Worth / Assets | 7.84% | 7.61% | 7.47% | 7.99% | 8.20% | 7.88% | 7.12% | 6.95% | -104 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.36% | 69.21% | 67.09% | 73.24% | 74.62% | 68.71% | 56.93% | 56.60% | -1,664 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |