Peekskill, NY · Charter 2812
NCUA · 1 branch
Q3 2020
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 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.47% | 0.48% | 0.53% | 0.28% | 0.16% | -31 bps | |
| Return on Equity | 5.90% | 6.12% | 6.95% | 3.88% | 2.24% | -366 bps | |
| Net Interest Margin | 2.78% | 2.65% | 2.53% | 2.21% | 2.06% | -72 bps | |
| Efficiency Ratio | 82.79% | 82.40% | 78.73% | 84.69% | 88.26% | +546 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.52% | 9.54% | 8.98% | 12.20% | 13.73% | +721 bps | |
| Loan Growth (YoY) | 17.89% | 14.04% | 8.66% | 1.65% | -4.50% | -2,239 bps | |
| Share Growth (YoY) | 6.35% | 8.67% | 9.58% | 12.66% | 15.13% | +878 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.35% | 0.55% | 0.47% | 1.26% | 0.99% | +64 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.59% | 0.64% | 0.55% | 0.58% | 0.59% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.01% | 7.81% | 7.64% | 7.30% | 7.29% | -72 bps | |
| Net Worth / Assets | 8.01% | 7.81% | 7.64% | 7.30% | 7.29% | -72 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.03% | 47.16% | 45.75% | 42.21% | 41.50% | -853 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |