Lackawanna, NY · Charter 17891
NCUA · 1 branch
Q2 2024
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 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.02% | 0.09% | -0.22% | 0.03% | 0.18% | 0.27% | 0.60% | -0.92% | -95 bps | |
| Return on Equity | 0.26% | 1.13% | -2.83% | 0.38% | 2.25% | 3.21% | 7.36% | -12.08% | -1,246 bps | |
| Net Interest Margin | 1.78% | 2.03% | 2.34% | 2.55% | 2.69% | 2.87% | 3.04% | 3.13% | +58 bps | |
| Efficiency Ratio | 92.85% | 92.47% | 93.35% | 92.59% | 90.58% | 89.12% | 82.83% | 123.30% | +3,071 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.15% | -1.11% | -1.62% | -4.50% | -4.60% | -5.68% | -1.65% | 0.10% | +460 bps | |
| Loan Growth (YoY) | -4.19% | -1.21% | -0.97% | 14.82% | 27.28% | 34.81% | 38.70% | 24.97% | +1,015 bps | |
| Share Growth (YoY) | 0.31% | -0.97% | -1.37% | -4.88% | -5.10% | -6.52% | -2.52% | 0.19% | +507 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.06% | 0.03% | 0.03% | 0.03% | 0.02% | 0.01% | 0.01% | 0.01% | -3 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 | 0.53% | 0.24% | 0.54% | 0.49% | 0.43% | 0.43% | 0.47% | 0.46% | -3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.43% | 7.66% | 7.60% | 7.80% | 8.00% | 8.39% | 8.19% | 7.58% | -22 bps | |
| Net Worth / Assets | 7.43% | 7.66% | 7.60% | 7.80% | 8.00% | 8.39% | 8.19% | 7.58% | -22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 28.13% | 28.74% | 28.76% | 33.21% | 37.73% | 41.45% | 40.91% | 41.43% | +821 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |