South Towns Employees
Lackawanna, NY · Charter 17891 · Peer group: credit unions under $1B in assets in NY (n=118)
NCUA · 1 branch
Q2 2024
$18.7MAssets
$7.1MLoans
$17.2MShares
$1.4MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in NY (rank 13 of 118).
- Widest gap: return on equity trails 99% of credit unions under $1B in assets in NY (rank 117 of 118).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
-0.92%
Rank 114 of 118
Net Interest Margin
3.12%
Rank 75 of 118
Efficiency Ratio
123.40%
Rank 113 of 118
Equity / Assets
7.57%
Rank 112 of 118
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.92% | 0.29% | 0.72% | 1.20% | Beats 3% | 114 / 118 | |
| Return on Equity | -12.15% | 2.45% | 6.37% | 9.88% | Beats 1% | 117 / 118 | |
| Net Interest Margin | 3.12% | 2.94% | 3.41% | 4.08% | Beats 36% | 75 / 118 | |
| Efficiency Ratio | 123.40% | 67.85% | 78.90% | 88.11% | Beats 5% | 113 / 118 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.22% | 0.62% | 1.24% | Beats 100% | 13 / 118 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 7.58% | 9.33% | 11.37% | 13.62% | Beats 5% | 112 / 118 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 7.57% | 9.33% | 11.37% | 13.62% | Beats 5% | 112 / 118 | |
| Liquidity & Funding |
| Loans / Deposits | 41.43% | 47.48% | 63.74% | 83.37% | 19th pctl | 96 / 118 | |
| Loans / Assets | 38.14% | 40.20% | 54.83% | 71.23% | 22nd pctl | 92 / 118 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |