Poughkeepsie, NY · Charter 24053
NCUA · 1 branch
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 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.
Poughkeepsie, NY · Charter 24053
NCUA · 1 branch
Q2 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 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.43% | 0.46% | 0.47% | 0.38% | 0.39% | -4 bps | |
| Return on Equity | 2.06% | 2.16% | 2.16% | 1.79% | 1.81% | -25 bps | |
| Net Interest Margin | 2.01% | 2.04% | 2.04% | 1.98% | 2.03% | +2 bps | |
| Efficiency Ratio | 79.20% | 78.53% | 77.83% | 76.66% | 76.48% | -272 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.02% | -1.05% | -2.13% | -0.71% | -2.14% | -212 bps | |
| Loan Growth (YoY) | -7.27% | -7.18% | -3.26% | 3.32% | 2.85% | +1,013 bps | |
| Share Growth (YoY) | -0.41% | -1.78% | -3.54% | -1.69% | -4.12% | -371 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.57% | 2.65% | 1.96% | 1.23% | 1.58% | +1 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.06% | 2.05% | 1.84% | 1.82% | 2.00% | -6 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.82% | 21.33% | 21.57% | 21.13% | 21.72% | +90 bps | |
| Net Worth / Assets | 20.82% | 21.33% | 21.57% | 21.13% | 21.72% | +90 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 25.93% | 26.11% | 26.50% | 26.97% | 27.82% | +189 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |