Buffalo, NY · Charter 23495
NCUA · 1 branch
Q2 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2020, the quarter ended June 30, 2020, 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.
Buffalo, NY · Charter 23495
NCUA · 1 branch
Q2 2020
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 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.62% | -0.13% | -5.92% | -1.79% | -1.13% | 0.50% | -0.13% | -0.55% | +124 bps | |
| Return on Equity | 8.66% | -1.87% | -104.92% | -29.86% | -19.40% | 7.12% | -1.94% | -12.62% | +1,724 bps | |
| Net Interest Margin | 4.02% | 3.89% | 3.99% | 3.89% | 4.05% | 3.93% | 3.72% | 3.26% | -63 bps | |
| Efficiency Ratio | 86.58% | 85.89% | 77.43% | 73.37% | 76.81% | 66.37% | 89.87% | 104.25% | +3,088 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.27% | 7.04% | -2.48% | 3.22% | 1.08% | -0.28% | 4.95% | 11.17% | +794 bps | |
| Loan Growth (YoY) | 30.01% | 31.23% | 22.99% | 12.48% | 2.28% | -5.55% | -3.98% | -9.20% | -2,168 bps | |
| Share Growth (YoY) | 0.80% | 2.00% | -1.25% | 4.23% | 2.08% | 4.28% | 3.11% | 13.65% | +942 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.29% | 5.24% | 3.70% | 3.88% | 4.38% | 2.72% | 3.06% | 1.68% | -220 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 | 0.46% | 1.15% | 1.39% | 1.21% | 1.53% | 1.59% | 1.44% | 1.28% | +7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.15% | 6.92% | 5.64% | 5.99% | 5.80% | 7.02% | 6.84% | 4.32% | -166 bps | |
| Net Worth / Assets | 7.15% | 6.92% | 5.64% | 5.99% | 5.80% | 7.02% | 6.84% | 4.32% | -166 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.49% | 85.38% | 80.08% | 77.38% | 78.65% | 77.34% | 74.57% | 61.82% | -1,556 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |