Albany, NY · Charter 17469
NCUA · 1 branch
Q3 2018
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 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.90% | -1.61% | -1.09% | -1.45% | -1.21% | +70 bps | |
| Return on Equity | -12.06% | -10.37% | -7.13% | -9.79% | -8.16% | +390 bps | |
| Net Interest Margin | 0.94% | 0.95% | 0.55% | 0.57% | 0.57% | -37 bps | |
| Efficiency Ratio | 249% | 229% | 290% | 339% | 300% | +5,093 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.06% | -7.55% | -7.42% | -4.90% | -0.60% | +745 bps | |
| Loan Growth (YoY) | -37.86% | -43.15% | -29.39% | -5.31% | 21.92% | +5,978 bps | |
| Share Growth (YoY) | -7.74% | -7.23% | -7.07% | -4.25% | 0.60% | +834 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 3.92% | 4.29% | 3.92% | 3.38% | 3.21% | -70 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.77% | 15.48% | 15.28% | 14.84% | 14.77% | -100 bps | |
| Net Worth / Assets | 15.77% | 15.48% | 15.28% | 14.84% | 14.77% | -100 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |