Buffalo, NY · Charter 3300
NCUA · 1 branch
Q4 2019
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.87% | -0.07% | -2.89% | -2.74% | -2.40% | -154 bps | |
| Return on Equity | -2.80% | -0.22% | -9.96% | -8.95% | -8.03% | -522 bps | |
| Net Interest Margin | 3.73% | 3.84% | 3.78% | 4.03% | 3.91% | +18 bps | |
| Efficiency Ratio | 115.07% | 101.72% | 112.71% | 125.85% | 128.59% | +1,351 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -16.75% | -11.49% | -11.47% | -16.02% | -4.37% | +1,238 bps | |
| Loan Growth (YoY) | 24.03% | 16.45% | 8.20% | -13.54% | -20.99% | -4,502 bps | |
| Share Growth (YoY) | -21.89% | -15.35% | -13.57% | -19.21% | -2.96% | +1,893 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.45% | 0.00% | 0.37% | 0.05% | 0.10% | -35 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.13% | 0.60% | 2.75% | 0.00% | 0.00% | -113 bps | |
| Capital | |||||||
| Risk-Based Capital | 30.92% | 30.46% | 28.97% | 30.58% | 29.93% | -99 bps | |
| Net Worth / Assets | 30.92% | 30.46% | 28.97% | 30.58% | 29.93% | -99 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 96.09% | 88.50% | 83.44% | 78.53% | 78.23% | -1,786 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |