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Capital Communications

Albany, NY · Charter 8658

NCUA · 14 branches

Q2 2022

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2022, the quarter ended June 30, 2022, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Capital Communications

Albany, NY · Charter 8658

NCUA · 14 branches

Q2 2022

$2.6BAssets
$2.3BLoans
$2.3BShares
$286.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.54%, down 37 bps year over year; NIM at 3.12%.
  • Asset quality: problem loans at 0.56% of loans (-20 bps YoY).
  • Capital: net worth / assets of 10.84%, up 142 bps from a year ago.
  • Funding: loans stand at 96.17% of shares as of Q2 2022.

Financial Results

Return on Assets (YTD, annualized)

1.54%-37 bps YoY

Net Interest Margin (YTD, annualized)

3.12%+24 bps YoY

Efficiency Ratio (YTD, annualized)

66.93%+1,169 bps YoY

Net Worth / Assets

10.84%+142 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2021Q3 2021Q4 2021Q1 2022Q2 2022YoY ΔTrend
Earnings
Return on Assets1.92%1.77%1.64%1.03%1.54%-37 bps
Return on Equity20.32%18.85%17.08%10.43%14.21%-611 bps
Net Interest Margin2.88%2.79%2.78%2.91%3.12%+24 bps
Efficiency Ratio55.25%58.43%61.53%73.60%66.93%+1,169 bps
Growth
Asset Growth (YoY)21.26%22.85%21.18%8.43%1.41%-1,985 bps
Loan Growth (YoY)9.25%9.27%8.16%10.43%12.50%+326 bps
Share Growth (YoY)15.75%17.09%12.39%8.56%6.32%-943 bps
Asset Quality
Delinquent Loans / Loans0.76%0.44%0.68%0.44%0.56%-20 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.69%1.60%1.37%1.34%1.28%-41 bps
Capital
Risk-Based Capital9.43%9.40%9.58%9.86%10.84%+142 bps
Net Worth / Assets9.43%9.40%9.58%9.86%10.84%+142 bps
Liquidity & Funding
Loans / Shares90.89%93.39%93.29%93.11%96.17%+528 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps