PackageTrendsPeer
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Countryside

Syracuse, NY · Charter 4745

NCUA · 1 branch

Q2 2022

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2022, the quarter ended June 30, 2022, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Countryside

Syracuse, NY · Charter 4745

NCUA · 1 branch

Q2 2022

$161.9MAssets
$128.5MLoans
$130.5MShares
$29.5MNet Worth

Executive Summary

  • Earnings: ROA of 1.51%, up 13 bps year over year; NIM at 2.40%.
  • Asset quality: problem loans at 0.63% of loans (-39 bps YoY).
  • Capital: net worth / assets of 18.24%, up 241 bps from a year ago.
  • Funding: loans stand at 98.45% of shares as of Q2 2022.

Return on Assets (YTD, annualized)

1.51%+13 bps YoY

Net Interest Margin (YTD, annualized)

2.40%+15 bps YoY

Efficiency Ratio (YTD, annualized)

58.10%+1,036 bps YoY

Net Worth / Assets

18.24%+241 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021Q4 2021Q1 2022Q2 2022YoY ΔTrend
Earnings
Return on Assets1.10%1.12%1.04%1.38%2.03%1.68%1.69%1.51%+13 bps
Return on Equity6.96%6.91%6.52%8.74%11.97%9.78%9.73%8.28%-46 bps
Net Interest Margin2.23%2.29%2.34%2.25%2.35%2.36%2.34%2.40%+15 bps
Efficiency Ratio57.13%57.46%56.97%47.74%41.12%48.68%52.76%58.10%+1,036 bps
Growth
Asset Growth (YoY)6.16%4.58%7.19%7.18%3.98%4.29%2.50%-4.03%-1,121 bps
Loan Growth (YoY)3.78%4.47%3.17%2.40%1.18%-0.28%-2.37%-6.79%-920 bps
Share Growth (YoY)5.82%3.44%9.88%4.86%3.01%3.86%0.89%-4.66%-952 bps
Asset Quality
Delinquent Loans / Loans1.05%1.21%1.00%1.02%2.12%2.07%0.77%0.63%-39 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.38%0.36%0.38%0.38%0.35%0.32%0.30%0.19%-19 bps
Capital
Risk-Based Capital15.81%16.19%15.97%15.83%17.01%17.21%17.41%18.24%+241 bps
Net Worth / Assets15.81%16.19%15.97%15.83%17.01%17.21%17.41%18.24%+241 bps
Liquidity & Funding
Loans / Shares102.60%103.80%98.55%100.71%100.77%99.67%95.36%98.45%-226 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps