Niagara Falls, NY · Charter 63759
NCUA · 3 branches
Q3 2016
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 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.21% | 0.75% | 0.44% | 0.40% | 0.06% | 0.13% | 0.14% | 0.17% | -23 bps | |
| Return on Equity | 1.98% | 7.21% | 4.11% | 3.74% | 0.62% | 1.15% | 1.26% | 1.54% | -220 bps | |
| Net Interest Margin | 4.44% | 3.96% | 4.04% | 4.05% | 3.89% | 3.79% | 3.84% | 3.88% | -17 bps | |
| Efficiency Ratio | 63.89% | 69.04% | 73.37% | 74.31% | 75.14% | 85.14% | 79.65% | 79.19% | +489 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.87% | -2.31% | -4.81% | 0.09% | 2.84% | -5.96% | -3.51% | -4.06% | -416 bps | |
| Loan Growth (YoY) | -6.59% | -7.38% | -9.47% | -10.80% | -10.69% | -9.01% | -6.49% | -5.62% | +517 bps | |
| Share Growth (YoY) | -5.55% | -2.63% | -5.60% | -0.43% | 3.07% | -6.67% | -3.98% | -4.55% | -412 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.02% | 1.31% | 2.70% | 2.06% | 2.86% | 1.57% | 2.44% | 2.71% | +66 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 | 1.14% | 1.14% | 1.31% | 1.18% | 1.19% | 1.18% | 1.30% | 1.37% | +19 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.50% | 10.39% | 10.74% | 10.75% | 10.28% | 10.95% | 11.04% | 11.09% | +34 bps | |
| Net Worth / Assets | 10.50% | 10.39% | 10.74% | 10.75% | 10.28% | 10.95% | 11.04% | 11.09% | +34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.76% | 79.49% | 80.28% | 77.41% | 72.58% | 77.49% | 78.17% | 76.54% | -87 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |