Binghamton, NY · Charter 2041
NCUA · 4 branches
Q3 2021
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 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.22% | 0.21% | 0.26% | 0.77% | -0.52% | -74 bps | |
| Return on Equity | 2.02% | 1.98% | 2.66% | 7.70% | -5.64% | -766 bps | |
| Net Interest Margin | 3.05% | 3.05% | 2.93% | 3.00% | 3.09% | +4 bps | |
| Efficiency Ratio | 90.91% | 91.35% | 90.28% | 80.72% | 93.42% | +251 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.13% | 17.37% | 24.94% | 13.31% | 11.62% | -151 bps | |
| Loan Growth (YoY) | 6.75% | 11.73% | 13.96% | 23.75% | 25.09% | +1,834 bps | |
| Share Growth (YoY) | 14.73% | 19.30% | 27.62% | 14.08% | 13.56% | -117 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.51% | 0.58% | 0.49% | 0.36% | 0.58% | +6 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.73% | 0.69% | 0.69% | 0.64% | 1.33% | +60 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.76% | 10.42% | 9.68% | 10.06% | 9.29% | -147 bps | |
| Net Worth / Assets | 10.76% | 10.42% | 9.68% | 10.06% | 9.29% | -147 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.77% | 82.17% | 77.39% | 85.11% | 90.07% | +830 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |