Jamestown, NY · Charter 3703
NCUA · 1 branch
Q1 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 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.08% | -4.14% | -4.00% | -2.37% | -15.77% | -1,569 bps | |
| Return on Equity | -0.79% | -49.78% | -54.44% | -32.45% | -443% | -44,211 bps | |
| Net Interest Margin | 4.12% | 4.16% | 4.20% | 4.44% | 4.70% | +58 bps | |
| Efficiency Ratio | 101.90% | 110.20% | 102.49% | 79.11% | 92.31% | -959 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.21% | 1.93% | 2.09% | -1.31% | -6.74% | -1,095 bps | |
| Loan Growth (YoY) | 5.13% | 14.66% | 12.08% | 6.66% | 12.53% | +739 bps | |
| Share Growth (YoY) | 3.90% | 3.94% | 5.63% | 2.21% | 0.13% | -377 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.82% | 5.28% | 3.57% | 1.56% | 1.41% | -441 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.01% | 3.06% | 2.55% | 0.33% | 5.87% | +586 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.17% | 8.31% | 7.35% | 7.30% | 3.56% | -661 bps | |
| Net Worth / Assets | 10.17% | 8.31% | 7.35% | 7.30% | 3.56% | -661 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.03% | 72.99% | 75.26% | 75.53% | 76.45% | +842 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |