Port Jefferson, NY · Charter 21277
NCUA · 1 branch
Q2 2018
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 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.20% | -0.12% | 0.16% | 0.37% | 0.29% | 0.22% | -0.47% | -1.43% | -180 bps | |
| Return on Equity | -2.39% | -1.42% | 2.01% | 4.37% | 3.31% | 2.56% | -5.65% | -18.60% | -2,297 bps | |
| Net Interest Margin | 2.67% | 2.68% | 2.62% | 2.86% | 2.87% | 2.79% | 2.55% | 2.68% | -18 bps | |
| Efficiency Ratio | 104.84% | 102.74% | 95.04% | 90.59% | 92.65% | 94.89% | 114.55% | 138.25% | +4,766 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.32% | 2.78% | 3.48% | 0.73% | -2.70% | -1.91% | -2.18% | -0.02% | -75 bps | |
| Loan Growth (YoY) | -7.61% | -7.09% | -7.17% | -4.36% | -5.18% | -4.92% | -5.20% | -8.80% | -445 bps | |
| Share Growth (YoY) | 4.27% | 3.10% | 3.66% | 0.55% | -3.21% | -2.35% | -2.33% | 0.74% | +19 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.44% | 4.54% | 4.56% | 4.50% | 4.69% | 4.76% | 4.81% | 5.24% | +74 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 | 1.22% | 1.24% | 1.25% | 1.19% | 1.29% | 1.26% | 1.27% | 1.46% | +27 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.17% | 8.20% | 8.12% | 8.39% | 8.64% | 8.58% | 8.36% | 7.70% | -68 bps | |
| Net Worth / Assets | 8.17% | 8.20% | 8.12% | 8.39% | 8.64% | 8.58% | 8.36% | 7.70% | -68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.89% | 45.02% | 44.16% | 45.54% | 44.96% | 43.83% | 42.86% | 41.23% | -432 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |