Albany, NY · Charter 17469
NCUA · 1 branch
Q3 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2018, the quarter ended September 30, 2018, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Albany, NY · Charter 17469
NCUA · 1 branch
Q3 2018
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 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.84% | -1.08% | -1.81% | -1.90% | -1.61% | -1.09% | -1.45% | -1.21% | +70 bps | |
| Return on Equity | -5.32% | -6.92% | -11.75% | -12.06% | -10.37% | -7.13% | -9.79% | -8.16% | +390 bps | |
| Net Interest Margin | 1.26% | 1.09% | 0.91% | 0.94% | 0.95% | 0.55% | 0.57% | 0.57% | -37 bps | |
| Efficiency Ratio | 161.46% | 191.84% | 280% | 249% | 229% | 290% | 339% | 300% | +5,093 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.55% | -2.62% | -4.47% | -8.06% | -7.55% | -7.42% | -4.90% | -0.60% | +745 bps | |
| Loan Growth (YoY) | -20.52% | -25.04% | -25.17% | -37.86% | -43.15% | -29.39% | -5.31% | 21.92% | +5,978 bps | |
| Share Growth (YoY) | -3.27% | -1.84% | -3.70% | -7.74% | -7.23% | -7.07% | -4.25% | 0.60% | +834 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 12.91% | 7.72% | 13.02% | 3.42% | 2.00% | 0.00% | 0.52% | 0.46% | -295 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 | 2.61% | 1.75% | 2.02% | 3.92% | 4.29% | 3.92% | 3.38% | 3.21% | -70 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.80% | 15.63% | 15.41% | 15.77% | 15.48% | 15.28% | 14.84% | 14.77% | -100 bps | |
| Net Worth / Assets | 15.80% | 15.63% | 15.41% | 15.77% | 15.48% | 15.28% | 14.84% | 14.77% | -100 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 31.55% | 27.91% | 24.71% | 21.39% | 19.34% | 21.21% | 24.44% | 25.92% | +453 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |