Rockville Ctr., NY · Charter 23444
NCUA · 2 branches
Q2 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2022, the quarter ended June 30, 2022, 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.
Rockville Ctr., NY · Charter 23444
NCUA · 2 branches
Q2 2022
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 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.51% | -0.59% | 0.16% | -0.66% | -0.05% | -0.74% | -18.48% | -12.15% | -1,148 bps | |
| Return on Equity | -18.68% | -22.86% | 6.09% | -28.89% | -2.02% | -39.01% | n/a | n/a | n/a | |
| Net Interest Margin | 4.31% | 4.30% | 3.82% | 3.80% | 3.72% | 3.76% | 3.57% | 3.61% | -19 bps | |
| Efficiency Ratio | 106.88% | 107.59% | 96.39% | 108.10% | 98.04% | 107.17% | 344% | 258% | +14,983 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.11% | 4.74% | 5.02% | -6.25% | -1.83% | -3.08% | -5.51% | -6.31% | -6 bps | |
| Loan Growth (YoY) | -8.36% | -14.32% | -18.57% | -16.21% | -15.96% | -14.96% | -11.33% | -10.64% | +558 bps | |
| Share Growth (YoY) | 4.11% | 5.48% | 6.79% | -3.71% | -2.34% | -2.39% | -1.54% | -2.38% | +133 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.99% | 4.32% | 2.92% | 5.24% | 6.14% | 5.74% | 5.86% | 3.42% | -182 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 | 3.79% | 3.13% | 3.36% | 3.12% | 3.10% | 2.21% | 3.49% | 5.79% | +268 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 2.74% | 2.56% | 2.59% | 2.30% | 2.55% | 1.90% | -2.68% | -4.05% | -635 bps | |
| Net Worth / Assets | 2.74% | 2.56% | 2.59% | 2.30% | 2.55% | 1.90% | -2.68% | -4.05% | -635 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 35.60% | 34.53% | 30.58% | 30.22% | 30.63% | 30.09% | 27.54% | 27.67% | -256 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |