Allegany, NY · Charter 8976
NCUA · 1 branch
Q1 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2018, the quarter ended March 31, 2018, 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.
Allegany, NY · Charter 8976
NCUA · 1 branch
Q1 2018
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 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.03% | 0.09% | 0.05% | -0.17% | -0.24% | -21 bps | |
| Return on Equity | -0.29% | 0.98% | 0.57% | -1.98% | -2.80% | -251 bps | |
| Net Interest Margin | 2.59% | 2.65% | 2.75% | 2.74% | 2.67% | +8 bps | |
| Efficiency Ratio | 100.81% | 97.33% | 95.76% | 90.99% | 90.96% | -985 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.12% | 4.31% | 1.68% | 2.91% | 0.34% | -378 bps | |
| Loan Growth (YoY) | -0.64% | -1.96% | -5.92% | -7.38% | -7.39% | -675 bps | |
| Share Growth (YoY) | 4.25% | 3.38% | 1.69% | 3.39% | 0.62% | -363 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.24% | 0.67% | 0.55% | 1.16% | 1.36% | +111 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.34% | 0.36% | 0.28% | 0.86% | 1.01% | +67 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.81% | 8.84% | 9.04% | 8.69% | 8.55% | -25 bps | |
| Net Worth / Assets | 8.81% | 8.84% | 9.04% | 8.69% | 8.55% | -25 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 42.89% | 42.48% | 42.39% | 41.04% | 39.47% | -342 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |