Troy, NY · Charter 23098
NCUA · 2 branches
Q3 2016
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 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 2.44% | 2.49% | 2.58% | 2.71% | 2.79% | +35 bps | |
| Efficiency Ratio | 104.63% | 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 / Loans | 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 |
| Allowance / Loans | 0.72% | 2.01% | 1.58% | 2.76% | 2.17% | +145 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.26% | 7.10% | 7.01% | 7.06% | 7.37% | +11 bps | |
| Net Worth / Assets | 7.26% | 7.10% | 7.01% | 7.06% | 7.37% | +11 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |