Umico
Utica, NY · Charter 3313 · Peer group: credit unions under $1B in assets in NY (n=114)
NCUA · 1 branch
Q3 2024
$7.5MAssets
$4.9MLoans
$6.7MShares
$868KNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in NY (rank 11 of 114).
- Widest gap: efficiency ratio trails 82% of credit unions under $1B in assets in NY (rank 95 of 114).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.35%
Rank 85 of 114
Net Interest Margin
3.93%
Rank 31 of 114
Efficiency Ratio
91.38%
Rank 95 of 114
Equity / Assets
11.53%
Rank 58 of 114
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.35% | 0.34% | 0.84% | 1.25% | Beats 25% | 85 / 114 | | |
| Return on Equity | 3.07% | 2.78% | 6.49% | 10.36% | Beats 27% | 83 / 114 | | |
| Net Interest Margin | 3.93% | 3.03% | 3.45% | 3.98% | Beats 73% | 31 / 114 | | |
| Efficiency Ratio | 91.38% | 66.26% | 77.93% | 87.41% | Beats 18% | 95 / 114 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.22% | 0.67% | 1.22% | Beats 100% | 11 / 114 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.52% | 9.63% | 11.59% | 14.17% | Beats 49% | 58 / 114 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.53% | 9.63% | 11.59% | 14.17% | Beats 49% | 58 / 114 | | |
| Liquidity & Funding |
| Loans / Deposits | 73.50% | 45.91% | 63.99% | 84.01% | 60th pctl | 46 / 114 | | |
| Loans / Assets | 64.93% | 39.51% | 56.48% | 70.59% | 63rd pctl | 42 / 114 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |