PackageTrendsPeer
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Twin City P O

N. Tonawanda, NY · Charter 11218

Q2 2007

$1.9MAssets
$1.4MLoans
$1.6MShares
$246KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.96%, up 57 bps year over year; NIM at 4.16%.
  • Asset quality: problem loans at 5.54% of loans (+426 bps YoY).
  • Capital: net worth / assets of 13.31%, up 58 bps from a year ago.
  • Funding: loans stand at 85.70% of shares as of Q2 2007.

Financial Results

Return on Assets (quarter, annualized)

0.96%+57 bps YoY

Net Interest Margin (quarter, annualized)

4.16%+32 bps YoY

Efficiency Ratio (quarter, annualized)

78.05%-1,198 bps YoY

Net Worth / Assets

13.31%+58 bps YoY

Discrete quarter, annualized.

MetricQ2 2006Q3 2006Q4 2006Q1 2007Q2 2007YoY ΔTrend
Earnings
Return on Assets0.39%0.42%0.39%1.22%0.96%+57 bps
Return on Equity3.06%3.27%3.01%9.18%7.22%+415 bps
Net Interest Margin3.85%3.83%3.83%4.51%4.16%+32 bps
Efficiency Ratio90.03%89.29%89.05%74.19%78.05%-1,198 bps
Growth
Asset Growth (YoY)-0.77%1.34%1.18%-2.91%0.75%+152 bps
Loan Growth (YoY)2.48%0.25%0.63%0.32%-1.67%-415 bps
Share Growth (YoY)-1.47%1.04%0.84%-3.96%-0.05%+142 bps
Asset Quality
Delinquent Loans / Loans1.28%2.76%4.78%5.45%5.54%+426 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.67%0.68%0.56%0.61%0.64%-3 bps
Capital
Risk-Based Capital12.73%12.89%13.00%13.32%13.31%+58 bps
Net Worth / Assets12.73%12.89%13.00%13.32%13.31%+58 bps
Liquidity & Funding
Loans / Shares87.11%87.42%86.02%86.38%85.70%-142 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps