Mineola, NY · Charter 21168
NCUA · 1 branch
Q1 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 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.69% | 0.72% | 0.95% | 8.00% | 4.29% | 2.93% | 2.41% | -1.38% | -938 bps | |
| Return on Equity | 8.82% | 8.59% | 10.74% | 72.48% | 40.82% | 27.42% | 22.29% | -13.77% | -8,625 bps | |
| Net Interest Margin | 5.13% | 5.41% | 5.47% | 5.13% | 4.57% | 4.46% | 4.23% | 3.20% | -193 bps | |
| Efficiency Ratio | 76.07% | 77.40% | 76.53% | 34.59% | 41.47% | 48.51% | 51.60% | 121.86% | +8,727 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.05% | -11.51% | -12.82% | -13.61% | 0.16% | 3.69% | 5.97% | 12.04% | +2,565 bps | |
| Loan Growth (YoY) | 0.69% | 8.19% | 14.80% | 9.27% | 5.18% | -8.83% | -17.32% | -21.01% | -3,029 bps | |
| Share Growth (YoY) | -5.80% | -7.10% | -8.26% | -10.98% | -2.66% | 1.23% | 3.83% | 12.79% | +2,377 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.21% | 0.50% | 1.04% | 1.00% | 1.07% | 0.73% | 1.02% | 0.60% | -41 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 | 1.66% | 1.84% | 2.01% | 1.99% | 2.15% | 2.48% | 2.99% | 2.68% | +69 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.81% | 8.41% | 8.89% | 11.04% | 10.51% | 10.70% | 10.80% | 10.04% | -100 bps | |
| Net Worth / Assets | 7.81% | 8.41% | 8.89% | 11.04% | 10.51% | 10.70% | 10.80% | 10.04% | -100 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.49% | 63.79% | 67.10% | 67.19% | 59.96% | 57.44% | 53.43% | 47.05% | -2,014 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |