Niagara Falls, NY · Charter 10721
Q3 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2003, the quarter ended September 30, 2003, 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.
Niagara Falls, NY · Charter 10721
Q3 2003
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.17% | 0.54% | 0.20% | 0.55% | -2.65% | -282 bps | |
| Return on Equity | 0.66% | 2.05% | 0.77% | 2.18% | -11.85% | -1,251 bps | |
| Net Interest Margin | 0.56% | 4.43% | 1.29% | 3.67% | 0.38% | -18 bps | |
| Efficiency Ratio | 68.92% | 75.80% | 87.49% | 82.76% | 386% | +31,738 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.46% | 0.26% | 9.89% | 1.64% | 4.36% | -610 bps | |
| Loan Growth (YoY) | 13.36% | -2.20% | -8.85% | -11.08% | -15.59% | -2,895 bps | |
| Share Growth (YoY) | 13.56% | 0.01% | 12.69% | 1.22% | 8.58% | -498 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.71% | 0.51% | 0.72% | 0.54% | 0.65% | -6 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.77% | 0.98% | 1.21% | 1.00% | 0.74% | -3 bps | |
| Capital | |||||||
| Risk-Based Capital | 25.25% | 26.19% | 25.21% | 25.37% | 22.36% | -289 bps | |
| Net Worth / Assets | 25.25% | 26.19% | 25.21% | 25.37% | 22.36% | -289 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 58.44% | 57.93% | 54.24% | 50.06% | 45.43% | -1,301 bps | |
| Liquid Assets / Assets | 49.27% | 52.26% | 13.68% | 12.95% | 15.71% | -3,356 bps | |