PackageTrendsPeer
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Rpi Employees

Troy, NY · Charter 23098

NCUA · 2 branches

Q3 2016

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2016, the quarter ended September 30, 2016, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Rpi Employees

Troy, NY · Charter 23098

NCUA · 2 branches

Q3 2016

$4.4MAssets
$1.0MLoans
$4.1MShares
$327KNet 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 -0.38%, down 26 bps year over year; NIM at 2.79%.
  • Asset quality: problem loans at 1.43% of loans (+11 bps YoY).
  • Capital: net worth / assets of 7.37%, up 11 bps from a year ago.
  • Funding: loans stand at 25.59% of shares as of Q3 2016.

Financial Results

Return on Assets (YTD, annualized)

-0.38%-26 bps YoY

Net Interest Margin (YTD, annualized)

2.79%+35 bps YoY

Efficiency Ratio (YTD, annualized)

97.50%-712 bps YoY

Net Worth / Assets

7.37%+11 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets-0.12%-0.34%-0.09%-0.77%-0.38%-26 bps
Return on Equity-1.61%-4.83%-1.28%-10.91%-5.11%-351 bps
Net Interest Margin2.44%2.49%2.58%2.71%2.79%+35 bps
Efficiency Ratio104.63%101.11%103.32%103.98%97.50%-712 bps
Growth
Asset Growth (YoY)3.89%0.33%-1.38%-8.63%-8.37%-1,226 bps
Loan Growth (YoY)-9.43%-4.78%-2.76%9.33%5.63%+1,506 bps
Share Growth (YoY)4.41%0.80%-1.03%-8.72%-8.47%-1,288 bps
Asset Quality
Delinquent Loans / Loans1.32%2.55%0.00%1.38%1.43%+11 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.72%2.01%1.58%2.76%2.17%+145 bps
Capital
Risk-Based Capital7.26%7.10%7.01%7.06%7.37%+11 bps
Net Worth / Assets7.26%7.10%7.01%7.06%7.37%+11 bps
Liquidity & Funding
Loans / Shares22.17%22.04%22.17%25.60%25.59%+342 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps