Fairport, NY · Charter 20956
NCUA · 1 branch
Q3 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2019, the quarter ended September 30, 2019, 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.
Fairport, NY · Charter 20956
NCUA · 1 branch
Q3 2019
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 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.06% | 1.06% | 0.96% | 1.20% | 1.28% | +22 bps | |
| Return on Equity | 11.73% | 11.64% | 10.49% | 12.56% | 12.67% | +94 bps | |
| Net Interest Margin | 2.76% | 2.76% | 2.96% | 3.05% | 3.15% | +39 bps | |
| Efficiency Ratio | 67.55% | 67.05% | 71.23% | 65.43% | 64.39% | -316 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.90% | 3.31% | 3.24% | 1.17% | 1.63% | -127 bps | |
| Loan Growth (YoY) | 5.68% | 5.76% | 6.24% | 4.55% | 2.60% | -308 bps | |
| Share Growth (YoY) | 2.10% | 2.45% | 2.33% | -0.05% | 0.46% | -164 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.17% | 0.01% | 0.11% | 0.18% | 0.09% | -8 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.46% | 0.47% | 0.47% | 0.50% | 0.50% | +4 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.00% | 9.09% | 9.14% | 9.53% | 10.10% | +110 bps | |
| Net Worth / Assets | 9.00% | 9.09% | 9.14% | 9.53% | 10.10% | +110 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.30% | 76.42% | 75.46% | 76.59% | 79.97% | +167 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |