Buffalo, NY · Charter 22247
NCUA · 1 branch
Q2 2022
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 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.78% | 0.70% | 0.31% | 1.19% | 1.96% | 1.42% | 1.16% | -12.47% | -1,367 bps | |
| Return on Equity | 4.00% | 3.64% | 1.67% | 6.16% | 9.59% | 7.13% | 5.85% | -78.84% | -8,500 bps | |
| Net Interest Margin | 1.73% | 1.58% | 0.99% | 0.95% | 0.93% | 0.87% | 0.74% | -12.41% | -1,336 bps | |
| Efficiency Ratio | 60.45% | 64.23% | 84.63% | 52.16% | 37.63% | 44.88% | 37.77% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.27% | 6.80% | 7.76% | 4.18% | 2.99% | 3.54% | 3.05% | -8.30% | -1,248 bps | |
| Loan Growth (YoY) | -13.17% | -19.04% | -12.29% | -0.34% | -10.28% | -6.73% | -8.94% | -22.68% | -2,234 bps | |
| Share Growth (YoY) | 7.96% | 7.50% | 8.91% | 4.01% | 1.69% | 2.62% | 1.71% | -4.10% | -810 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.82% | 0.70% | 0.55% | 0.41% | 0.00% | 0.00% | 0.00% | 0.00% | -41 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 | 1.25% | 1.16% | 1.02% | 0.87% | 0.47% | 0.45% | 0.45% | 0.45% | -42 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.40% | 19.17% | 18.74% | 19.39% | 20.43% | 19.93% | 19.79% | 15.82% | -356 bps | |
| Net Worth / Assets | 19.40% | 19.17% | 18.74% | 19.39% | 20.43% | 19.93% | 19.79% | 15.82% | -356 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 38.09% | 33.45% | 32.05% | 34.10% | 33.61% | 30.40% | 28.69% | 27.50% | -661 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |