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Columbia Greene

Hudson, NY · Charter 21878

NCUA · 3 branches

Q3 2020

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2020, the quarter ended September 30, 2020, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Columbia Greene

Hudson, NY · Charter 21878

NCUA · 3 branches

Q3 2020

$35.8MAssets
$19.1MLoans
$32.4MShares
$3.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.14%, down 16 bps year over year; NIM at 3.79%.
  • Asset quality: problem loans at 0.38% of loans (+4 bps YoY).
  • Capital: net worth / assets of 9.44%, down 17 bps from a year ago.
  • Funding: loans stand at 59.02% of shares as of Q3 2020.

Financial Results

Return on Assets (YTD, annualized)

1.14%-16 bps YoY

Net Interest Margin (YTD, annualized)

3.79%-118 bps YoY

Efficiency Ratio (YTD, annualized)

74.12%+116 bps YoY

Net Worth / Assets

9.44%-17 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2019Q4 2019Q1 2020Q2 2020Q3 2020YoY ΔTrend
Earnings
Return on Assets1.30%1.35%1.31%1.06%1.14%-16 bps
Return on Equity13.55%13.69%13.42%11.95%12.06%-149 bps
Net Interest Margin4.97%4.90%4.54%3.80%3.79%-118 bps
Efficiency Ratio72.95%72.08%71.19%74.23%74.12%+116 bps
Growth
Asset Growth (YoY)-0.86%2.87%4.18%13.98%16.46%+1,732 bps
Loan Growth (YoY)10.10%3.99%-2.35%-11.21%-17.79%-2,789 bps
Share Growth (YoY)-2.22%1.45%3.07%13.90%16.66%+1,888 bps
Asset Quality
Delinquent Loans / Loans0.35%0.49%0.65%0.51%0.38%+4 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.50%0.57%0.56%0.51%0.51%+1 bps
Capital
Risk-Based Capital9.61%9.85%9.76%8.84%9.44%-17 bps
Net Worth / Assets9.61%9.85%9.76%8.84%9.44%-17 bps
Liquidity & Funding
Loans / Shares83.75%81.23%73.90%61.06%59.02%-2,473 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps