Niagara Falls, NY · Charter 18391
NCUA · 1 branch
Q1 2018
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -5.10% | -9.91% | -7.99% | 1.54% | 1.66% | 2.78% | 1.54% | -0.03% | -157 bps | |
| Return on Equity | -44.45% | -142.82% | -117.52% | 21.32% | 21.53% | 32.39% | 18.03% | -0.35% | -2,167 bps | |
| Net Interest Margin | 3.85% | 3.74% | 3.62% | 3.58% | 3.10% | 2.83% | 2.84% | 2.62% | -96 bps | |
| Efficiency Ratio | 119.46% | 118.58% | 122.91% | 85.93% | 100.42% | 102.21% | 119.91% | 100.99% | +1,506 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.04% | -4.57% | -4.95% | -4.76% | -5.52% | -2.66% | -2.92% | -5.35% | -58 bps | |
| Loan Growth (YoY) | -25.77% | -29.37% | -29.23% | -33.46% | -32.60% | -34.06% | -32.12% | -34.81% | -134 bps | |
| Share Growth (YoY) | 3.56% | 5.82% | 3.06% | 0.29% | -1.38% | -4.32% | -4.68% | -6.95% | -724 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.55% | 5.73% | 3.43% | 0.75% | 2.16% | 5.06% | 5.12% | 2.53% | +178 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 | 2.17% | 12.77% | 12.35% | 12.21% | 10.48% | 8.29% | 8.61% | 7.79% | -441 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.48% | 6.94% | 6.80% | 7.21% | 7.72% | 8.59% | 8.54% | 8.79% | +158 bps | |
| Net Worth / Assets | 11.48% | 6.94% | 6.80% | 7.21% | 7.72% | 8.59% | 8.54% | 8.79% | +158 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.71% | 47.42% | 47.16% | 40.50% | 37.39% | 32.68% | 33.58% | 28.38% | -1,212 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |