Syracuse, NY · Charter 4745
NCUA · 1 branch
Q2 2022
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.10% | 1.12% | 1.04% | 1.38% | 2.03% | 1.68% | 1.69% | 1.51% | +13 bps | |
| Return on Equity | 6.96% | 6.91% | 6.52% | 8.74% | 11.97% | 9.78% | 9.73% | 8.28% | -46 bps | |
| Net Interest Margin | 2.23% | 2.29% | 2.34% | 2.25% | 2.35% | 2.36% | 2.34% | 2.40% | +15 bps | |
| Efficiency Ratio | 57.13% | 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 / Loans | 1.05% | 1.21% | 1.00% | 1.02% | 2.12% | 2.07% | 0.77% | 0.63% | -39 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 | 0.38% | 0.36% | 0.38% | 0.38% | 0.35% | 0.32% | 0.30% | 0.19% | -19 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.81% | 16.19% | 15.97% | 15.83% | 17.01% | 17.21% | 17.41% | 18.24% | +241 bps | |
| Net Worth / Assets | 15.81% | 16.19% | 15.97% | 15.83% | 17.01% | 17.21% | 17.41% | 18.24% | +241 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 102.60% | 103.80% | 98.55% | 100.71% | 100.77% | 99.67% | 95.36% | 98.45% | -226 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |