Troy, NY · Charter 23098
NCUA · 2 branches
Q3 2016
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Troy, NY · Charter 23098
NCUA · 2 branches
Q3 2016
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 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.04% | -0.40% | -0.30% | -0.12% | -0.34% | -0.09% | -0.77% | -0.38% | -26 bps | |
| Return on Equity | -0.54% | -5.55% | -4.28% | -1.61% | -4.83% | -1.28% | -10.91% | -5.11% | -351 bps | |
| Net Interest Margin | 2.31% | 2.25% | 2.28% | 2.44% | 2.49% | 2.58% | 2.71% | 2.79% | +35 bps | |
| Efficiency Ratio | 109.52% | 117.06% | 112.62% | 104.63% | 101.11% | 103.32% | 103.98% | 97.50% | -712 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.06% | 8.28% | 6.35% | 3.89% | 0.33% | -1.38% | -8.63% | -8.37% | -1,226 bps | |
| Loan Growth (YoY) | -6.04% | -6.62% | -10.46% | -9.43% | -4.78% | -2.76% | 9.33% | 5.63% | +1,506 bps | |
| Share Growth (YoY) | 5.52% | 9.14% | 7.19% | 4.41% | 0.80% | -1.03% | -8.72% | -8.47% | -1,288 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.04% | 0.00% | 0.97% | 1.32% | 2.55% | 0.00% | 1.38% | 1.43% | +11 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 | 1.44% | 1.47% | 1.68% | 0.72% | 2.01% | 1.58% | 2.76% | 2.17% | +145 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.47% | 7.16% | 6.97% | 7.26% | 7.10% | 7.01% | 7.06% | 7.37% | +11 bps | |
| Net Worth / Assets | 7.47% | 7.16% | 6.97% | 7.26% | 7.10% | 7.01% | 7.06% | 7.37% | +11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 23.34% | 22.56% | 21.37% | 22.17% | 22.04% | 22.17% | 25.60% | 25.59% | +342 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |