Bronxville, NY · Charter 3653
NCUA · 2 branches
Q3 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2024, the quarter ended September 30, 2024, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in NY (n=114). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
31
Asset Quality
100
Profitability
12
Liquidity
16
Efficiency
27
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Bronxville, NY · Charter 3653
NCUA · 2 branches
Q3 2024
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 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.24% | 0.11% | 0.11% | 0.11% | 0.16% | -9 bps | |
| Return on Equity | 2.70% | 1.19% | 1.19% | 1.21% | 1.53% | -118 bps | |
| Net Interest Margin | 1.02% | 0.96% | 1.08% | 1.07% | 1.21% | +19 bps | |
| Efficiency Ratio | 79.06% | 89.74% | 89.81% | 89.49% | 86.95% | +789 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.64% | -9.80% | -12.90% | -13.06% | -12.56% | -592 bps | |
| Loan Growth (YoY) | 21.33% | 23.42% | 21.27% | 25.11% | 20.73% | -60 bps | |
| Share Growth (YoY) | -7.56% | -11.17% | -14.12% | -14.37% | -13.92% | -636 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.48% | 0.41% | 0.00% | 0.00% | 0.00% | -48 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.46% | 0.44% | 0.44% | 0.40% | 0.39% | -8 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.02% | 9.17% | 9.25% | 9.27% | 10.35% | +133 bps | |
| Net Worth / Assets | 9.02% | 9.17% | 9.25% | 9.27% | 10.35% | +133 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 26.64% | 28.99% | 29.08% | 32.23% | 37.37% | +1,072 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bronxville, NY · Charter 3653 · Peer group: credit unions under $1B in assets in NY (n=114)
NCUA · 2 branches
Q3 2024
Return on Assets
0.17%
Rank 94 of 114
Net Interest Margin
1.21%
Rank 113 of 114
Efficiency Ratio
86.21%
Rank 84 of 114
Equity / Assets
10.35%
Rank 79 of 114
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.17% | 0.34% | 0.84% | 1.25% | Beats 18% | 94 / 114 | |
| Return on Equity | 1.61% | 2.78% | 6.49% | 10.36% | Beats 18% | 94 / 114 | |
| Net Interest Margin | 1.21% | 3.03% | 3.45% | 3.98% | Beats 1% | 113 / 114 | |
| Efficiency Ratio | 86.21% | 66.26% | 77.93% | 87.41% | Beats 27% | 84 / 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 | 10.35% | 9.63% | 11.59% | 14.17% | Beats 31% | 79 / 114 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.35% | 9.63% | 11.59% | 14.17% | Beats 31% | 79 / 114 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 37.37% | 45.91% | 63.99% | 84.01% | 13th pctl | 99 / 114 | |
| Loans / Assets | 33.33% | 39.51% | 56.48% | 70.59% | 14th pctl | 98 / 114 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||