Westfield, NY · Charter 8529
NCUA · 1 branch
Q1 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2017, the quarter ended March 31, 2017, 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.
Westfield, NY · Charter 8529
NCUA · 1 branch
Q1 2017
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 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.77% | -0.49% | -0.49% | -0.09% | -0.09% | -0.45% | -0.45% | -1.29% | -119 bps | |
| Return on Equity | -10.02% | -6.66% | -6.68% | -1.36% | -1.27% | -7.03% | -6.87% | -22.16% | -2,080 bps | |
| Net Interest Margin | 3.81% | 3.68% | 3.72% | 3.54% | 3.42% | 3.38% | 3.50% | 3.25% | -30 bps | |
| Efficiency Ratio | 113.79% | 108.83% | 108.33% | 102.14% | 101.98% | 105.10% | 105.50% | 106.83% | +469 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.90% | 2.78% | 3.25% | 4.45% | 10.78% | 6.46% | 4.12% | 6.73% | +228 bps | |
| Loan Growth (YoY) | 1.18% | 5.97% | 9.92% | 7.42% | 3.00% | 1.09% | -3.71% | -2.62% | -1,004 bps | |
| Share Growth (YoY) | -12.28% | 3.70% | 4.11% | 5.12% | 11.79% | 7.44% | 4.96% | 8.05% | +293 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.65% | 2.55% | 4.46% | 2.71% | 4.07% | 3.45% | 2.83% | 0.94% | -177 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 | 0.45% | 0.47% | 0.52% | 0.54% | 0.51% | 0.45% | 0.48% | 0.50% | -4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.68% | 7.33% | 7.27% | 6.97% | 6.78% | 6.43% | 6.53% | 5.81% | -116 bps | |
| Net Worth / Assets | 7.68% | 7.33% | 7.27% | 6.97% | 6.78% | 6.43% | 6.53% | 5.81% | -116 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.11% | 53.97% | 53.35% | 50.37% | 49.85% | 50.78% | 48.94% | 45.40% | -497 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |