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Grand Adirondack

Bayside, NY · Charter 10293

Q2 2011

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 2011, the quarter ended June 30, 2011, 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

Grand Adirondack

Bayside, NY · Charter 10293

Q2 2011

$7.3MAssets
$0KLoans
$7.2MShares
$70KNet Worth

Executive Summary

  • Earnings: ROA of -22.90%, down 3,566 bps year over year; NIM at 0.16%.
  • Capital: net worth / assets of 0.96%, down 1,291 bps from a year ago.
  • Funding: loans stand at 0.00% of shares as of Q2 2011.

Return on Assets (YTD, annualized)

-22.90%-3,566 bps YoY

Net Interest Margin (YTD, annualized)

0.16%0 bps YoY

Efficiency Ratio (YTD, annualized)

210%+17,640 bps YoY

Net Worth / Assets

0.96%-1,291 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2009Q2 2009Q3 2009Q4 2009Q1 2010Q3 2010Q1 2011Q2 2011YoY ΔTrend
Earnings
Return on Assets23.47%24.21%12.78%12.75%35.37%26.98%26.80%-22.90%-3,566 bps
Return on Equity327%166.82%110.63%91.97%173.31%76.33%102.90%-2377%-246,906 bps
Net Interest Margin-0.33%0.32%0.27%0.16%0.48%0.42%0.17%0.16%0 bps
Efficiency Ratio3.70%2.55%15.58%33.89%47.44%67.64%58.20%210%+17,640 bps
Growth
Asset Growth (YoY)6733%3176%1233%551%27.94%98.36%264%221%-32,967 bps
Loan Growth (YoY)n/an/a-31.60%-56.95%-99.83%-100.00%-100.00%-100.00%-4,305 bps
Share Growth (YoY)10150%4561%1465%499%8.88%35.50%209%271%-22,864 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%n/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%n/an/an/an/a
Capital
Risk-Based Capital7.18%14.51%11.55%13.87%20.41%35.34%26.05%0.96%-1,291 bps
Net Worth / Assets7.18%14.51%11.55%13.87%20.41%35.34%26.05%0.96%-1,291 bps
Liquidity & Funding
Loans / Shares30.67%1.22%0.73%0.26%0.05%0.00%0.00%0.00%-26 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps