Port Washington, NY · Charter 6958
NCUA · 1 branch
Q3 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 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.35% | -0.92% | -0.53% | -0.53% | -0.52% | -0.56% | -0.37% | -0.27% | +26 bps | |
| Return on Equity | 0.99% | -2.69% | -1.56% | -1.52% | -1.47% | -1.62% | -1.05% | -0.73% | +79 bps | |
| Net Interest Margin | 2.13% | 1.59% | 1.57% | 1.70% | 1.85% | 2.20% | 2.27% | 2.46% | +76 bps | |
| Efficiency Ratio | 86.85% | 157.20% | 126.87% | 128.79% | 126.43% | 125.14% | 116.14% | 110.83% | -1,796 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.86% | -3.08% | -2.82% | -2.68% | -1.79% | -2.12% | -3.99% | -5.94% | -327 bps | |
| Loan Growth (YoY) | -28.31% | -24.16% | -11.88% | 12.52% | 45.70% | 68.07% | 51.03% | 40.00% | +2,748 bps | |
| Share Growth (YoY) | -6.54% | -4.98% | -4.34% | -3.32% | -2.19% | -2.75% | -5.65% | -8.96% | -564 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.54% | 0.05% | 0.10% | 0.47% | 0.09% | 0.06% | 0.04% | 1.03% | +56 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 | 0.66% | 0.68% | 0.61% | 0.42% | 0.38% | 0.34% | 0.28% | 0.27% | -15 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 35.25% | 34.27% | 34.17% | 35.06% | 35.37% | 34.60% | 35.16% | 36.95% | +189 bps | |
| Net Worth / Assets | 35.25% | 34.27% | 34.17% | 35.06% | 35.37% | 34.60% | 35.16% | 36.95% | +189 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 29.27% | 28.07% | 31.65% | 37.14% | 43.60% | 48.51% | 50.66% | 57.12% | +1,998 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |