PackageTrendsPeer
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NFGS&D Federal Credit Union

Buffalo, NY · Charter 1132

Q3 2006

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: Q3 2006, the quarter ended September 30, 2006, 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

NFGS&D Federal Credit Union

Buffalo, NY · Charter 1132

Q3 2006

$3.3MAssets
$2.2MLoans
$2.6MShares
$665KNet 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 -1.63%, up 130 bps year over year; NIM at 3.98%.
  • Asset quality: problem loans at 1.45% of loans (+4 bps YoY).
  • Capital: net worth / assets of 20.15%, up 250 bps from a year ago.
  • Funding: loans stand at 83.39% of shares as of Q3 2006.

Financial Results

Return on Assets (YTD, annualized)

-1.63%+130 bps YoY

Net Interest Margin (YTD, annualized)

3.98%+101 bps YoY

Efficiency Ratio (YTD, annualized)

128.33%-6,888 bps YoY

Net Worth / Assets

20.15%+250 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets-2.93%-1.68%-2.93%-1.76%-1.63%+130 bps
Return on Equity-16.60%-8.42%-14.50%-8.85%-8.10%+850 bps
Net Interest Margin2.98%4.21%5.48%3.56%3.98%+101 bps
Efficiency Ratio197.21%150.74%217%142.14%128.33%-6,888 bps
Growth
Asset Growth (YoY)-10.55%-11.98%-14.91%-13.58%-14.47%-391 bps
Loan Growth (YoY)64.95%73.09%54.76%43.29%24.68%-4,027 bps
Share Growth (YoY)-10.26%-13.07%-16.92%-15.79%-17.03%-676 bps
Asset Quality
Delinquent Loans / Loans1.41%1.10%1.95%1.75%1.45%+4 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.52%0.55%0.44%0.62%1.10%-42 bps
Capital
Risk-Based Capital17.65%19.92%20.21%19.94%20.15%+250 bps
Net Worth / Assets17.65%19.92%20.21%19.94%20.15%+250 bps
Liquidity & Funding
Loans / Shares55.49%66.99%70.18%72.22%83.39%+2,789 bps
Liquid Assets / Assets36.35%29.23%21.41%0.00%0.00%-3,635 bps