Albany, NY · Charter 22075
NCUA · 5 branches
Q1 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2018, the quarter ended March 31, 2018, 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.
Albany, NY · Charter 22075
NCUA · 5 branches
Q1 2018
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 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.64% | 0.79% | 0.80% | 0.10% | 0.49% | -15 bps | |
| Return on Equity | 4.22% | 5.17% | 5.19% | 0.63% | 3.34% | -87 bps | |
| Net Interest Margin | 2.47% | 2.47% | 2.50% | 2.59% | 2.37% | -10 bps | |
| Efficiency Ratio | 80.48% | 76.16% | 75.98% | 108.68% | 81.46% | +98 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.12% | 4.22% | 5.04% | 3.11% | 3.98% | -14 bps | |
| Loan Growth (YoY) | 7.01% | 8.18% | 5.11% | 6.28% | 2.42% | -460 bps | |
| Share Growth (YoY) | 4.32% | 3.64% | 5.01% | 2.43% | 3.55% | -77 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.43% | 0.69% | 0.73% | 0.68% | 0.60% | +17 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.15% | 2.15% | 2.00% | 0.76% | 0.86% | -129 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.21% | 15.18% | 15.38% | 15.26% | 14.69% | -52 bps | |
| Net Worth / Assets | 15.21% | 15.18% | 15.38% | 15.26% | 14.69% | -52 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 35.91% | 35.43% | 36.34% | 38.26% | 35.52% | -39 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |