Hudson, NY · Charter 21878
NCUA · 3 branches
Q3 2020
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 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.01% | 0.83% | 1.07% | 1.30% | 1.35% | 1.31% | 1.06% | 1.14% | -16 bps | |
| Return on Equity | 11.54% | 9.60% | 12.31% | 13.55% | 13.69% | 13.42% | 11.95% | 12.06% | -149 bps | |
| Net Interest Margin | 4.53% | 4.72% | 4.65% | 4.97% | 4.90% | 4.54% | 3.80% | 3.79% | -118 bps | |
| Efficiency Ratio | 75.83% | 78.99% | 75.22% | 72.95% | 72.08% | 71.19% | 74.23% | 74.12% | +116 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.27% | 0.09% | 0.24% | -0.86% | 2.87% | 4.18% | 13.98% | 16.46% | +1,732 bps | |
| Loan Growth (YoY) | 13.24% | 12.78% | 12.27% | 10.10% | 3.99% | -2.35% | -11.21% | -17.79% | -2,789 bps | |
| Share Growth (YoY) | 1.49% | -1.07% | -0.93% | -2.22% | 1.45% | 3.07% | 13.90% | 16.66% | +1,888 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.29% | 0.25% | 0.56% | 0.35% | 0.49% | 0.65% | 0.51% | 0.38% | +4 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 | 0.39% | 0.46% | 0.54% | 0.50% | 0.57% | 0.56% | 0.51% | 0.51% | +1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.75% | 8.69% | 8.72% | 9.61% | 9.85% | 9.76% | 8.84% | 9.44% | -17 bps | |
| Net Worth / Assets | 8.75% | 8.69% | 8.72% | 9.61% | 9.85% | 9.76% | 8.84% | 9.44% | -17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.24% | 78.01% | 78.32% | 83.75% | 81.23% | 73.90% | 61.06% | 59.02% | -2,473 bps | |
| Liquid Assets / Assets | 0.00% | 99.03% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |