PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Rochester Polish

Rochester, NY · Charter 22078

NCUA · 1 branch

Q2 2022

$7.7MAssets
$1.2MLoans
$6.0MShares
$1.7MNet 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 0.42%, down 61 bps year over year; NIM at 1.36%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 21.61%, up 77 bps from a year ago.
  • Funding: loans stand at 20.13% of shares as of Q2 2022.

Financial Results

Return on Assets (quarter, annualized)

0.42%-61 bps YoY

Net Interest Margin (quarter, annualized)

1.36%-21 bps YoY

Efficiency Ratio (quarter, annualized)

83.33%+1,860 bps YoY

Net Worth / Assets

21.61%+77 bps YoY

Discrete quarter, annualized.

MetricQ2 2021Q3 2021Q4 2021Q1 2022Q2 2022YoY ΔTrend
Earnings
Return on Assets1.03%1.99%1.37%1.30%0.42%-61 bps
Return on Equity4.93%9.34%6.45%5.99%1.95%-298 bps
Net Interest Margin1.57%1.50%1.47%1.36%1.36%-21 bps
Efficiency Ratio64.73%48.97%60.20%57.66%83.33%+1,860 bps
Growth
Asset Growth (YoY)1.67%7.86%7.58%4.98%1.52%-16 bps
Loan Growth (YoY)-22.54%-21.14%-15.35%-11.06%-4.09%+1,845 bps
Share Growth (YoY)1.55%8.15%7.78%4.14%0.51%-104 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.22%0.65%0.65%0.65%0.65%-56 bps
Capital
Risk-Based Capital20.83%21.36%21.16%21.64%21.61%+77 bps
Net Worth / Assets20.83%21.36%21.16%21.64%21.61%+77 bps
Liquidity & Funding
Loans / Shares21.10%20.10%19.85%19.01%20.13%-96 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps