Hornell, NY · Charter 9543
NCUA · 2 branches
Q2 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2018, the quarter ended June 30, 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.
Hornell, NY · Charter 9543
NCUA · 2 branches
Q2 2018
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 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 0.05% | 0.92% | 0.24% | -0.48% | -1.11% | -0.19% | -0.61% | -85 bps | |
| Return on Equity | 4.84% | 0.40% | 7.49% | 1.96% | -4.24% | -10.38% | -1.75% | -5.59% | -755 bps | |
| Net Interest Margin | 3.29% | 3.20% | 3.52% | 2.86% | 2.99% | 2.74% | 3.16% | 2.98% | +12 bps | |
| Efficiency Ratio | 78.27% | 83.87% | 68.85% | 89.70% | 112.45% | 124.98% | 105.35% | 118.04% | +2,834 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.59% | -5.11% | -4.86% | -3.91% | -0.25% | 2.77% | 3.60% | -1.32% | +259 bps | |
| Loan Growth (YoY) | 0.68% | 17.03% | 20.20% | 22.68% | 16.53% | 13.05% | 9.63% | 11.24% | -1,144 bps | |
| Share Growth (YoY) | -7.69% | -5.78% | -5.61% | -4.56% | 0.79% | 4.29% | 5.49% | 0.26% | +483 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.02% | 1.89% | 2.64% | 2.72% | 2.16% | 2.34% | 2.04% | 2.88% | +16 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 | 0.14% | 0.88% | 0.86% | 0.52% | 0.66% | 0.73% | 0.73% | 0.71% | +19 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.22% | 12.04% | 12.29% | 12.22% | 11.32% | 10.74% | 10.72% | 10.94% | -128 bps | |
| Net Worth / Assets | 12.22% | 12.04% | 12.29% | 12.22% | 11.32% | 10.74% | 10.72% | 10.94% | -128 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.45% | 56.52% | 58.90% | 58.99% | 58.33% | 61.26% | 61.21% | 65.44% | +645 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |