Blasdell, NY · Charter 22440
NCUA · 2 branches
Q3 2019
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 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.76% | 0.80% | 0.15% | 0.59% | -0.34% | -110 bps | |
| Return on Equity | 6.63% | 6.82% | 1.38% | 5.39% | -3.13% | -976 bps | |
| Net Interest Margin | 3.12% | 3.17% | 2.76% | 2.92% | 3.07% | -6 bps | |
| Efficiency Ratio | 79.60% | 79.19% | 88.38% | 81.28% | 97.53% | +1,793 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.04% | 2.06% | 0.79% | 5.77% | 4.47% | +343 bps | |
| Loan Growth (YoY) | 11.44% | 10.13% | 12.13% | 16.19% | 7.60% | -384 bps | |
| Share Growth (YoY) | 0.31% | 1.42% | 0.32% | 5.60% | 5.06% | +475 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.50% | 0.44% | 0.48% | 0.24% | 0.15% | -35 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.64% | 0.67% | 0.67% | 0.68% | 0.68% | +4 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.41% | 11.68% | 11.07% | 10.88% | 10.82% | -59 bps | |
| Net Worth / Assets | 11.41% | 11.68% | 11.07% | 10.88% | 10.82% | -59 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.84% | 58.55% | 56.27% | 56.74% | 58.22% | +138 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |