PackageTrendsPeer
Letter portraitLegal landscape

Norton-Troy Employees

Watervliet, NY · Charter 61651

NCUA · 1 branch

Q2 2021

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 2021, the quarter ended June 30, 2021, 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

Norton-Troy Employees

Watervliet, NY · Charter 61651

NCUA · 1 branch

Q2 2021

$4.9MAssets
$1.3MLoans
$4.0MShares
$907KNet Worth

Executive Summary

  • Earnings: ROA of -1.14%, down 68 bps year over year; NIM at 1.53%.
  • Asset quality: problem loans at 0.00% of loans (-43 bps YoY).
  • Capital: net worth / assets of 18.36%, up 81 bps from a year ago.
  • Funding: loans stand at 31.64% of shares as of Q2 2021.

Return on Assets (YTD, annualized)

-1.14%-68 bps YoY

Net Interest Margin (YTD, annualized)

1.53%-100 bps YoY

Efficiency Ratio (YTD, annualized)

174.14%+5,951 bps YoY

Net Worth / Assets

18.36%+81 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2019Q4 2019Q1 2020Q2 2020Q3 2020Q4 2020Q1 2021Q2 2021YoY ΔTrend
Earnings
Return on Assets0.20%-0.01%-0.39%-0.46%-0.47%-0.70%-0.91%-1.14%-68 bps
Return on Equity1.11%-0.05%-2.23%-2.64%-2.72%-3.99%-5.08%-6.22%-359 bps
Net Interest Margin2.96%2.97%2.75%2.54%2.39%2.30%1.68%1.53%-100 bps
Efficiency Ratio93.48%97.57%109.42%114.63%117.19%128.22%153.61%174.14%+5,951 bps
Growth
Asset Growth (YoY)-9.93%-8.47%-5.38%-3.96%-1.37%-2.74%-6.23%-9.69%-573 bps
Loan Growth (YoY)-11.63%-2.16%-4.93%0.05%-5.07%-15.97%-17.32%-20.66%-2,070 bps
Share Growth (YoY)-12.12%-10.13%-6.38%-4.49%-1.09%-2.54%-6.66%-10.66%-617 bps
Asset Quality
Delinquent Loans / Loans0.48%0.59%0.29%0.43%0.50%0.09%0.00%0.00%-43 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.55%0.63%0.61%0.62%0.67%0.70%0.71%0.75%+13 bps
Capital
Risk-Based Capital17.68%17.70%17.54%17.55%17.41%17.50%17.86%18.36%+81 bps
Net Worth / Assets17.68%17.70%17.54%17.55%17.41%17.50%17.86%18.36%+81 bps
Liquidity & Funding
Loans / Shares34.16%37.80%35.79%35.63%32.78%32.59%31.71%31.64%-399 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps