Troy, NY · Charter 1842
NCUA · 1 branch
Q3 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2020, the quarter ended September 30, 2020, 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.
Troy, NY · Charter 1842
NCUA · 1 branch
Q3 2020
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 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.76% | 1.62% | 0.57% | -0.86% | -1.08% | -2.37% | -1.27% | -1.57% | -71 bps | |
| Return on Equity | -28.33% | 15.07% | 5.57% | -8.80% | -12.20% | -29.12% | -15.58% | -19.61% | -1,081 bps | |
| Net Interest Margin | 4.67% | 5.32% | 5.13% | 5.42% | 5.14% | 5.00% | 5.13% | 5.43% | 0 bps | |
| Efficiency Ratio | 121.41% | 116.43% | 113.75% | 111.95% | 112.03% | 150.67% | 124.89% | 154.85% | +4,289 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.55% | -9.23% | -8.81% | -9.64% | -1.75% | 5.91% | 1.00% | 1.46% | +1,110 bps | |
| Loan Growth (YoY) | 17.60% | 22.82% | 17.63% | 5.84% | 0.08% | -0.71% | 1.04% | -4.88% | -1,072 bps | |
| Share Growth (YoY) | -4.66% | -9.34% | -14.24% | -9.96% | -0.80% | 8.85% | 9.90% | 3.40% | +1,335 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.78% | 2.34% | 2.72% | 2.70% | 2.69% | 0.84% | 0.21% | 0.21% | -248 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 | 1.38% | 0.73% | 0.75% | 0.91% | 1.10% | 1.10% | 1.10% | 0.12% | -79 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.74% | 10.76% | 10.25% | 9.78% | 8.84% | 8.12% | 8.16% | 7.99% | -180 bps | |
| Net Worth / Assets | 9.74% | 10.76% | 10.25% | 9.78% | 8.84% | 8.12% | 8.16% | 7.99% | -180 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.63% | 107.56% | 109.25% | 105.65% | 98.49% | 98.12% | 100.44% | 97.19% | -846 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |