Lackawanna, NY · Charter 20898
NCUA · 1 branch
Q3 2016
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 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.87% | -0.90% | -0.93% | -1.27% | -0.95% | -8 bps | |
| Return on Equity | -5.75% | -5.71% | -5.93% | -8.31% | -6.16% | -41 bps | |
| Net Interest Margin | 1.95% | 2.03% | 2.00% | 1.97% | 1.99% | +4 bps | |
| Efficiency Ratio | 133.01% | 132.32% | 135.23% | 148.39% | 150.14% | +1,713 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.43% | -4.51% | -8.63% | -6.37% | -7.30% | -287 bps | |
| Loan Growth (YoY) | -10.58% | -14.91% | -15.87% | -16.02% | -11.15% | -57 bps | |
| Share Growth (YoY) | -4.29% | -4.40% | -9.14% | -6.26% | -7.54% | -324 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.03% | 0.01% | 0.00% | 0.00% | 0.05% | +3 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.78% | 1.85% | 2.10% | 2.08% | 0.59% | -119 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.21% | 15.79% | 15.74% | 15.30% | 15.47% | +27 bps | |
| Net Worth / Assets | 15.21% | 15.79% | 15.74% | 15.30% | 15.47% | +27 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 22.36% | 22.90% | 21.92% | 22.12% | 21.48% | -87 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |