Geneseo, NY · Charter 20799
NCUA · 1 branch
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 | 0.00% | -0.59% | -2.13% | -1.56% | -1.06% | -107 bps | |
| Return on Equity | 0.00% | -2.38% | -8.91% | -6.70% | -4.56% | -456 bps | |
| Net Interest Margin | 2.19% | 2.12% | 1.18% | 1.07% | 1.04% | -115 bps | |
| Efficiency Ratio | 104.65% | 130.19% | 266% | 204% | 157.96% | +5,331 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.54% | 3.26% | 5.92% | 0.40% | -2.62% | -1,216 bps | |
| Loan Growth (YoY) | -16.70% | -22.43% | -27.37% | -28.48% | -28.84% | -1,214 bps | |
| Share Growth (YoY) | 13.25% | 5.81% | 10.09% | 2.31% | -1.81% | -1,506 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.10% | 0.10% | 0.10% | 0.10% | 0.10% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 24.06% | 25.04% | 23.92% | 23.32% | 23.33% | -72 bps | |
| Net Worth / Assets | 24.06% | 25.04% | 23.92% | 23.32% | 23.33% | -72 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 26.32% | 26.88% | 22.07% | 20.17% | 19.07% | -725 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |