Poughkeepsie, NY · Charter 731
Q4 2015
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 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.31% | 0.40% | 0.29% | 0.57% | 0.59% | +28 bps | |
| Return on Equity | 4.04% | 5.26% | 3.78% | 7.16% | 7.26% | +322 bps | |
| Net Interest Margin | 3.84% | 4.54% | 4.66% | 4.76% | 4.80% | +96 bps | |
| Efficiency Ratio | 86.88% | 82.49% | 83.17% | 80.49% | 80.05% | -683 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.29% | 3.30% | 4.52% | 4.29% | 1.04% | -425 bps | |
| Loan Growth (YoY) | 17.39% | 21.92% | 21.29% | 11.19% | 5.85% | -1,154 bps | |
| Share Growth (YoY) | 5.83% | 3.61% | 4.82% | 3.96% | 1.17% | -466 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.62% | 0.84% | 0.84% | 0.70% | 0.94% | +32 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.58% | 0.61% | 0.73% | 0.67% | 0.67% | +10 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.58% | 7.60% | 7.57% | 7.93% | 8.09% | +51 bps | |
| Net Worth / Assets | 7.58% | 7.60% | 7.57% | 7.93% | 8.09% | +51 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.71% | 82.99% | 84.03% | 85.10% | 84.44% | +373 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |