Albany, NY · Charter 8658
NCUA · 14 branches
Q2 2022
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.33% | 1.17% | 1.62% | 1.92% | 1.77% | 1.64% | 1.03% | 1.54% | -37 bps | |
| Return on Equity | 13.75% | 12.15% | 17.96% | 20.32% | 18.85% | 17.08% | 10.43% | 14.21% | -611 bps | |
| Net Interest Margin | 3.10% | 3.08% | 2.93% | 2.88% | 2.79% | 2.78% | 2.91% | 3.12% | +24 bps | |
| Efficiency Ratio | 62.59% | 63.69% | 58.43% | 55.25% | 58.43% | 61.53% | 73.60% | 66.93% | +1,169 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.66% | 18.09% | 28.37% | 21.26% | 22.85% | 21.18% | 8.43% | 1.41% | -1,985 bps | |
| Loan Growth (YoY) | 13.08% | 12.18% | 9.50% | 9.25% | 9.27% | 8.16% | 10.43% | 12.50% | +326 bps | |
| Share Growth (YoY) | 17.47% | 21.02% | 24.60% | 15.75% | 17.09% | 12.39% | 8.56% | 6.32% | -943 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.73% | 0.74% | 0.80% | 0.76% | 0.44% | 0.68% | 0.44% | 0.56% | -20 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 | 1.44% | 1.46% | 1.58% | 1.69% | 1.60% | 1.37% | 1.34% | 1.28% | -41 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.70% | 9.63% | 9.04% | 9.43% | 9.40% | 9.58% | 9.86% | 10.84% | +142 bps | |
| Net Worth / Assets | 9.70% | 9.63% | 9.04% | 9.43% | 9.40% | 9.58% | 9.86% | 10.84% | +142 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 100.08% | 96.93% | 91.54% | 90.89% | 93.39% | 93.29% | 93.11% | 96.17% | +528 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |