Amityville, NY · Charter 63296
NCUA · 4 branches
Q2 2023
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 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.00% | 0.20% | 0.24% | 0.03% | -3.53% | -2.99% | -1.17% | -0.90% | -93 bps | |
| Return on Equity | 0.00% | 3.37% | 4.06% | 0.54% | -100.20% | -87.42% | -37.00% | -27.77% | -2,832 bps | |
| Net Interest Margin | 2.52% | 2.47% | 2.44% | 2.53% | 2.77% | 2.90% | 3.51% | 3.63% | +110 bps | |
| Efficiency Ratio | 100.00% | 95.73% | 88.45% | 96.05% | 554% | 293% | 97.40% | 73.76% | -2,230 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.54% | 11.18% | 0.65% | -1.71% | -5.10% | -9.78% | -9.94% | -15.02% | -1,331 bps | |
| Loan Growth (YoY) | -7.20% | 3.07% | -1.20% | 6.72% | 10.70% | 9.25% | 14.94% | 19.16% | +1,243 bps | |
| Share Growth (YoY) | 13.58% | 7.68% | -1.01% | -3.08% | -0.99% | -5.07% | -5.01% | -10.57% | -749 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.27% | 1.56% | 1.24% | 3.77% | 5.59% | 4.83% | 3.80% | 4.83% | +105 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 | 1.52% | 0.99% | 1.29% | 1.32% | 1.23% | 1.34% | 1.19% | 1.92% | +59 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 5.66% | 5.79% | 5.91% | 5.88% | 3.52% | 3.43% | 3.17% | 3.23% | -265 bps | |
| Net Worth / Assets | 5.66% | 5.79% | 5.91% | 5.88% | 3.52% | 3.43% | 3.17% | 3.23% | -265 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 34.48% | 37.51% | 37.04% | 38.57% | 38.55% | 43.17% | 44.82% | 51.39% | +1,282 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |