Somers, CT · Charter 6418
NCUA · 2 branches
Q1 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2025, the quarter ended March 31, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=64). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
48
Asset Quality
64
Profitability
43
Liquidity
0
Efficiency
34
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Somers, CT · Charter 6418
NCUA · 2 branches
Q1 2025
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.54% | 0.48% | 0.50% | 0.40% | 0.52% | -2 bps | |
| Return on Equity | 4.77% | 4.21% | 4.18% | 3.40% | 4.34% | -42 bps | |
| Net Interest Margin | 3.11% | 3.16% | 3.36% | 3.37% | 3.45% | +34 bps | |
| Efficiency Ratio | 82.97% | 85.10% | 85.42% | 88.10% | 85.89% | +292 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.50% | -4.23% | -5.09% | -1.51% | -2.00% | +450 bps | |
| Loan Growth (YoY) | 20.32% | -1.41% | 1.75% | -3.22% | -9.47% | -2,978 bps | |
| Share Growth (YoY) | -7.61% | -5.04% | -6.03% | -2.09% | -2.45% | +516 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.17% | 0.23% | 0.15% | 1.37% | 0.16% | -1 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.38% | 11.35% | 11.94% | 11.84% | 12.00% | +63 bps | |
| Net Worth / Assets | 11.38% | 11.35% | 11.94% | 11.84% | 12.00% | +63 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 26.85% | 26.36% | 27.10% | 25.26% | 24.92% | -193 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Somers, CT · Charter 6418 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=64)
NCUA · 2 branches
Q1 2025
Return on Assets
0.50%
Rank 40 of 64
Net Interest Margin
3.45%
Rank 30 of 64
Efficiency Ratio
86.32%
Rank 43 of 64
Equity / Assets
12.00%
Rank 33 of 64
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.50% | 0.16% | 0.81% | 1.48% | Beats 38% | 40 / 64 | |
| Return on Equity | 4.19% | 1.63% | 6.25% | 10.30% | Beats 39% | 39 / 64 | |
| Net Interest Margin | 3.45% | 2.88% | 3.41% | 3.93% | Beats 53% | 30 / 64 | |
| Efficiency Ratio | 86.32% | 66.67% | 76.12% | 91.52% | Beats 34% | 43 / 64 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.18% | 0.05% | 0.31% | 1.01% | Beats 64% | 24 / 64 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.00% | 10.39% | 12.02% | 15.20% | Beats 48% | 33 / 64 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.00% | 10.39% | 12.02% | 15.20% | Beats 48% | 33 / 64 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 24.92% | 45.38% | 58.07% | 73.25% | 5th pctl | 61 / 64 | |
| Loans / Assets | 21.93% | 39.22% | 51.63% | 62.34% | 6th pctl | 60 / 64 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||