Albany, NY · Charter 63856
NCUA · 1 branch
Q2 2023
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 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -5.64% | -6.08% | -6.33% | -7.56% | -7.87% | -223 bps | |
| Return on Equity | -10.54% | -11.28% | -11.97% | -11.89% | -12.08% | -154 bps | |
| Net Interest Margin | 3.50% | 3.16% | 2.97% | 2.54% | 2.70% | -80 bps | |
| Efficiency Ratio | 253% | 283% | 299% | 368% | 355% | +10,128 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -13.75% | -14.01% | -12.21% | -28.02% | -26.96% | -1,320 bps | |
| Loan Growth (YoY) | -15.22% | -22.12% | -27.01% | -24.81% | -18.58% | -337 bps | |
| Share Growth (YoY) | -18.74% | -18.97% | -13.86% | -45.81% | -45.18% | -2,644 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.93% | 9.99% | 7.68% | 6.90% | 5.93% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 8.32% | 5.94% | 5.64% | 5.83% | 5.71% | -260 bps | |
| Capital | |||||||
| Risk-Based Capital | 53.55% | 53.85% | 52.90% | 63.56% | 65.14% | +1,158 bps | |
| Net Worth / Assets | 53.55% | 53.85% | 52.90% | 63.56% | 65.14% | +1,158 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.53% | 42.81% | 44.77% | 69.33% | 78.01% | +2,548 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |