Jamestown, NY · Charter 63761
NCUA · 1 branch
Q4 2017
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.05% | 0.01% | -21.99% | -70.56% | -3388% | -338,777 bps | |
| Return on Equity | -0.38% | 0.09% | -22.73% | -73.06% | -3388% | -338,744 bps | |
| Net Interest Margin | 3.01% | 2.81% | 19.80% | 19.10% | -1622% | -162,464 bps | |
| Efficiency Ratio | 101.41% | 99.61% | 244% | n/a | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 5.41% | 5.87% | -87.35% | -91.54% | -99.63% | -10,504 bps | |
| Loan Growth (YoY) | -9.39% | -11.33% | -100.00% | -100.00% | -100.00% | -9,061 bps | |
| Share Growth (YoY) | 6.28% | 6.81% | -99.62% | -99.67% | -100.00% | -10,628 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.48% | 1.54% | n/a | n/a | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.27% | 0.29% | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Risk-Based Capital | 12.84% | 12.76% | 96.76% | 96.59% | 100.00% | +8,716 bps | |
| Net Worth / Assets | 12.84% | 12.76% | 96.76% | 96.59% | 100.00% | +8,716 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 28.52% | 26.99% | 0.00% | 0.00% | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |