Utica, NY · Charter 3313
NCUA · 1 branch
Q3 2024
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 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.18% | 0.86% | 0.06% | 0.14% | 0.08% | 0.04% | 0.42% | 0.35% | +21 bps | |
| Return on Equity | 1.89% | 8.89% | 0.62% | 1.34% | 0.71% | 0.39% | 3.84% | 3.04% | +170 bps | |
| Net Interest Margin | 2.60% | 3.08% | 3.48% | 3.71% | 3.65% | 3.06% | 3.47% | 3.92% | +21 bps | |
| Efficiency Ratio | 88.19% | 72.49% | 85.40% | 84.20% | 88.55% | 98.76% | 88.32% | 91.47% | +727 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.42% | -9.78% | -10.40% | -11.71% | -11.25% | -7.71% | -7.27% | -6.45% | +526 bps | |
| Loan Growth (YoY) | 25.38% | 33.07% | 27.22% | 17.33% | 6.97% | -3.12% | -2.52% | -11.37% | -2,870 bps | |
| Share Growth (YoY) | 0.28% | -10.80% | -11.45% | -12.79% | -12.40% | -8.45% | -8.27% | -7.58% | +521 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.56% | 0.27% | 0.62% | 0.24% | 0.05% | 0.74% | 0.39% | 0.01% | -23 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.49% | 0.20% | 0.49% | 0.50% | 0.54% | 0.60% | 0.63% | 0.68% | +18 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.66% | 9.69% | 10.10% | 10.71% | 10.81% | 10.42% | 11.01% | 11.52% | +81 bps | |
| Net Worth / Assets | 9.66% | 9.69% | 10.10% | 10.71% | 10.81% | 10.42% | 11.01% | 11.52% | +81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.92% | 65.18% | 67.67% | 76.64% | 76.83% | 68.97% | 71.91% | 73.50% | -315 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |