West Henrietta, NY · Charter 24787
NCUA · 1 branch
Q4 2017
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 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.44% | -0.65% | -2.15% | -1.41% | -1.19% | -75 bps | |
| Return on Equity | -6.51% | -10.02% | -39.37% | -24.08% | -20.00% | -1,349 bps | |
| Net Interest Margin | 4.58% | 4.17% | 3.94% | 4.01% | 4.02% | -56 bps | |
| Efficiency Ratio | 77.54% | 113.93% | 125.61% | 115.38% | 114.11% | +3,657 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.38% | -0.89% | -1.03% | -1.86% | -6.08% | -645 bps | |
| Loan Growth (YoY) | -9.49% | -15.10% | -13.64% | -20.77% | -23.09% | -1,359 bps | |
| Share Growth (YoY) | 1.33% | 0.47% | 0.74% | -0.42% | -5.59% | -692 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.14% | 0.85% | 1.54% | 3.80% | 3.78% | +164 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.67% | 0.54% | 1.38% | 1.23% | 1.32% | -35 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.69% | 6.53% | 5.45% | 5.85% | 5.94% | -75 bps | |
| Net Worth / Assets | 6.69% | 6.53% | 5.45% | 5.85% | 5.94% | -75 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.33% | 72.42% | 68.69% | 65.94% | 63.82% | -1,452 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |