Newburgh, NY · Charter 3962
NCUA · 14 branches
Q4 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2019, the quarter ended December 31, 2019, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Newburgh, NY · Charter 3962
NCUA · 14 branches
Q4 2019
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 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.42% | 0.04% | 0.03% | 0.09% | 0.08% | -34 bps | |
| Return on Equity | 4.42% | 0.48% | 0.34% | 1.01% | 0.94% | -348 bps | |
| Net Interest Margin | 3.99% | 3.86% | 3.80% | 3.92% | 3.81% | -18 bps | |
| Efficiency Ratio | 80.67% | 86.89% | 85.84% | 86.46% | 87.15% | +648 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.38% | 5.63% | 6.64% | 6.61% | 8.27% | +489 bps | |
| Loan Growth (YoY) | 6.52% | 6.34% | 7.54% | 5.62% | 2.17% | -435 bps | |
| Share Growth (YoY) | 2.48% | 3.55% | 5.33% | 8.03% | 8.49% | +601 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.95% | 0.84% | 0.79% | 0.64% | 0.75% | -20 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.04% | 1.00% | 1.00% | 0.98% | 0.95% | -9 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.56% | 9.15% | 8.89% | 9.13% | 8.91% | -65 bps | |
| Net Worth / Assets | 9.56% | 9.15% | 8.89% | 9.13% | 8.91% | -65 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 100.95% | 96.34% | 93.58% | 95.86% | 95.07% | -588 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |