Coxsackie, NY · Charter 22532
NCUA · 1 branch
Q3 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 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.50% | -3.71% | -3.61% | -5.58% | -5.26% | -176 bps | |
| Return on Equity | -30.87% | -31.46% | -28.75% | -51.01% | -49.60% | -1,873 bps | |
| Net Interest Margin | 1.90% | 2.14% | 1.63% | 1.77% | 1.97% | +7 bps | |
| Efficiency Ratio | 277% | 267% | 314% | 313% | 298% | +2,170 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -14.43% | -20.21% | -29.77% | -25.93% | -26.93% | -1,250 bps | |
| Loan Growth (YoY) | -14.80% | -20.55% | -29.40% | -21.14% | -16.07% | -127 bps | |
| Share Growth (YoY) | -13.04% | -19.68% | -30.43% | -25.18% | -26.32% | -1,327 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.14% | 0.82% | 2.22% | 0.38% | 0.39% | -75 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.49% | 4.32% | 5.52% | 1.94% | 3.20% | -329 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.35% | 11.80% | 12.54% | 10.94% | 10.60% | -74 bps | |
| Net Worth / Assets | 11.35% | 11.80% | 12.54% | 10.94% | 10.60% | -74 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 26.77% | 31.10% | 27.97% | 29.87% | 30.50% | +372 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |