Geneseo, NY · Charter 20799
NCUA · 1 branch
Q3 2021
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 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.01% | 0.56% | 0.05% | 0.00% | -0.59% | -2.13% | -1.56% | -1.06% | -107 bps | |
| Return on Equity | 0.05% | 2.09% | 0.20% | 0.00% | -2.38% | -8.91% | -6.70% | -4.56% | -456 bps | |
| Net Interest Margin | 2.93% | 3.05% | 2.46% | 2.19% | 2.12% | 1.18% | 1.07% | 1.04% | -115 bps | |
| Efficiency Ratio | 91.44% | 83.06% | 98.35% | 104.65% | 130.19% | 266% | 204% | 157.96% | +5,331 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.49% | -5.81% | 5.95% | 9.54% | 3.26% | 5.92% | 0.40% | -2.62% | -1,216 bps | |
| Loan Growth (YoY) | -7.27% | -11.32% | -13.71% | -16.70% | -22.43% | -27.37% | -28.48% | -28.84% | -1,214 bps | |
| Share Growth (YoY) | -6.47% | -7.89% | 8.78% | 13.25% | 5.81% | 10.09% | 2.31% | -1.81% | -1,506 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.77% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.42% | 0.45% | 0.47% | 0.10% | 0.10% | 0.10% | 0.10% | 0.10% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 26.47% | 26.66% | 24.80% | 24.06% | 25.04% | 23.92% | 23.32% | 23.33% | -72 bps | |
| Net Worth / Assets | 26.47% | 26.66% | 24.80% | 24.06% | 25.04% | 23.92% | 23.32% | 23.33% | -72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.67% | 33.45% | 28.85% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |