Deferiet, NY · Charter 9478
NCUA · 1 branch
Q1 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2021, the quarter ended March 31, 2021, 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.
Deferiet, NY · Charter 9478
NCUA · 1 branch
Q1 2021
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 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.79% | -8.68% | -8.42% | -0.66% | 1.07% | 2.65% | 1.97% | -0.67% | -1 bps | |
| Return on Equity | -38.13% | -155.81% | -182.99% | -14.15% | 21.03% | 40.54% | 30.31% | -11.00% | +315 bps | |
| Net Interest Margin | 4.98% | 5.16% | 5.32% | 4.50% | 4.01% | 4.10% | 4.05% | 3.51% | -99 bps | |
| Efficiency Ratio | 107.70% | 124.45% | 122.19% | 118.88% | 98.12% | 98.12% | 102.19% | 133.01% | +1,413 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -15.34% | -15.48% | -19.16% | -28.28% | -16.11% | -6.31% | 1.66% | 10.84% | +3,912 bps | |
| Loan Growth (YoY) | -10.66% | -14.48% | -16.28% | -19.15% | -17.74% | -12.19% | -12.28% | -13.12% | +603 bps | |
| Share Growth (YoY) | -15.86% | -5.64% | -12.12% | -18.14% | -11.50% | -7.16% | -0.32% | 9.23% | +2,737 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.31% | 2.44% | 1.77% | 2.03% | 1.93% | 1.96% | 1.40% | 0.77% | -126 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 | 1.33% | 5.10% | 6.05% | 5.71% | 4.73% | 2.17% | 1.44% | 1.12% | -459 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.95% | 5.57% | 4.60% | 4.67% | 5.06% | 6.54% | 6.50% | 6.09% | +142 bps | |
| Net Worth / Assets | 9.95% | 5.57% | 4.60% | 4.67% | 5.06% | 6.54% | 6.50% | 6.09% | +142 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.66% | 61.86% | 63.75% | 63.34% | 57.32% | 58.50% | 56.09% | 50.38% | -1,296 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |