Rochester, NY · Charter 22078
NCUA · 1 branch
Q2 2022
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.22% | 0.07% | 0.24% | 1.03% | 1.99% | 1.37% | 1.30% | 0.42% | -61 bps | |
| Return on Equity | 1.04% | 0.31% | 1.14% | 4.93% | 9.34% | 6.45% | 5.99% | 1.95% | -298 bps | |
| Net Interest Margin | 2.09% | 2.02% | 1.66% | 1.57% | 1.50% | 1.47% | 1.36% | 1.36% | -21 bps | |
| Efficiency Ratio | 84.19% | 88.40% | 91.43% | 64.73% | 48.97% | 60.20% | 57.66% | 83.33% | +1,860 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.27% | -3.27% | 3.41% | 1.67% | 7.86% | 7.58% | 4.98% | 1.52% | -16 bps | |
| Loan Growth (YoY) | -12.16% | -18.51% | -22.05% | -22.54% | -21.14% | -15.35% | -11.06% | -4.09% | +1,845 bps | |
| Share Growth (YoY) | -3.15% | -4.19% | 4.46% | 1.55% | 8.15% | 7.78% | 4.14% | 0.51% | -104 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.22% | 0.15% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.66% | 1.20% | 1.26% | 1.22% | 0.65% | 0.65% | 0.65% | 0.65% | -56 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.53% | 21.30% | 21.00% | 20.83% | 21.36% | 21.16% | 21.64% | 21.61% | +77 bps | |
| Net Worth / Assets | 21.53% | 21.30% | 21.00% | 20.83% | 21.36% | 21.16% | 21.64% | 21.61% | +77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 27.57% | 25.27% | 22.26% | 21.10% | 20.10% | 19.85% | 19.01% | 20.13% | -96 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |