PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Plattsburgh G P Employees

Plattsburgh, NY · Charter 16391

NCUA · 1 branch

Q2 2017

$6.5MAssets
$3.8MLoans
$6.0MShares
$422KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -7.20%, down 691 bps year over year; NIM at 3.46%.
  • Asset quality: problem loans at 0.06% of loans (+6 bps YoY).
  • Capital: net worth / assets of 6.53%, down 380 bps from a year ago.
  • Funding: loans stand at 62.89% of shares as of Q2 2017.

Financial Results

Return on Assets (YTD, annualized)

-7.20%-691 bps YoY

Net Interest Margin (YTD, annualized)

3.46%-19 bps YoY

Efficiency Ratio (YTD, annualized)

240%+13,468 bps YoY

Net Worth / Assets

6.53%-380 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2016Q3 2016Q4 2016Q1 2017Q2 2017YoY ΔTrend
Earnings
Return on Assets-0.29%-0.17%-0.45%-1.44%-7.20%-691 bps
Return on Equity-2.82%-1.67%-4.28%-15.23%-110.29%-10,747 bps
Net Interest Margin3.64%3.65%3.78%3.42%3.46%-19 bps
Efficiency Ratio105.40%107.33%111.05%128.50%240%+13,468 bps
Growth
Asset Growth (YoY)2.88%10.00%4.52%0.45%-0.86%-374 bps
Loan Growth (YoY)-6.12%-7.96%-8.84%-12.13%-15.85%-973 bps
Share Growth (YoY)3.59%11.84%5.83%1.41%3.44%-15 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.06%+6 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.65%0.45%0.48%0.51%0.41%-24 bps
Capital
Risk-Based Capital10.33%10.35%10.44%9.46%6.53%-380 bps
Net Worth / Assets10.33%10.35%10.44%9.46%6.53%-380 bps
Liquidity & Funding
Loans / Shares77.31%75.48%75.83%67.55%62.89%-1,442 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps