Long Island Cty, NY · Charter 75
NCUA · 1 branch
Q3 2023
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2023, the quarter ended September 30, 2023, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Long Island Cty, NY · Charter 75
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 | -0.65% | -1.01% | -0.87% | -0.84% | -0.19% | -0.43% | -0.49% | -0.85% | -1 bps | |
| Return on Equity | -2.53% | -3.94% | -3.40% | -3.21% | -0.74% | -1.64% | -1.86% | -2.93% | +28 bps | |
| Net Interest Margin | 1.64% | 1.19% | 1.22% | 1.27% | 1.36% | 1.54% | 1.53% | 1.60% | +34 bps | |
| Efficiency Ratio | 139.12% | 180.35% | 168.69% | 164.17% | 150.36% | 123.68% | 129.23% | 147.92% | -1,625 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.16% | -9.21% | -7.33% | -3.15% | -8.04% | -7.81% | -8.48% | -17.49% | -1,435 bps | |
| Loan Growth (YoY) | 41.25% | 16.61% | -6.78% | 16.84% | 5.01% | 0.96% | -12.88% | -17.31% | -3,415 bps | |
| Share Growth (YoY) | -12.46% | -11.30% | -8.81% | -3.27% | -8.82% | -8.60% | -9.59% | -21.70% | -1,843 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 5.14% | 0.00% | 0.00% | 0.00% | 0.00% | -514 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 | 21.88% | 25.50% | 27.91% | 24.60% | 1.73% | 2.09% | 2.65% | 2.46% | -2,214 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 25.77% | 25.53% | 25.47% | 26.06% | 26.46% | 26.30% | 26.48% | 28.92% | +286 bps | |
| Net Worth / Assets | 25.77% | 25.53% | 25.47% | 26.06% | 26.46% | 26.30% | 26.48% | 28.92% | +286 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 3.25% | 2.78% | 2.55% | 3.01% | 3.74% | 3.07% | 2.46% | 3.18% | +17 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |