PackageTrendsPeer
Letter portraitLegal landscape

Beth El

Tonawanda, NY · Charter 14216

Q3 2004

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 2004, the quarter ended September 30, 2004, 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

Beth El

Tonawanda, NY · Charter 14216

Q3 2004

$297KAssets
$78KLoans
$265KShares
$31KNet 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 -20.84%, down 2,142 bps year over year; NIM at -16.34%.
  • Asset quality: problem loans at 0.00% of loans (-2,887 bps YoY).
  • Capital: net worth / assets of 10.51%, down 1,347 bps from a year ago.
  • Funding: loans stand at 29.34% of shares as of Q3 2004.

Financial Results

Return on Assets (YTD, annualized)

-20.84%-2,142 bps YoY

Net Interest Margin (YTD, annualized)

-16.34%-2,108 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

10.51%-1,347 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2003Q4 2003Q1 2004Q2 2004Q3 2004YoY ΔTrend
Earnings
Return on Assets0.57%0.01%-1.24%-0.82%-20.84%-2,142 bps
Return on Equity2.40%0.05%-4.54%-2.96%-198.32%-20,071 bps
Net Interest Margin4.75%4.29%3.57%3.55%-16.34%-2,108 bps
Efficiency Ratio88.23%99.71%134.65%123.41%n/an/a
Growth
Asset Growth (YoY)-11.30%-13.30%-15.93%-16.42%-21.38%-1,008 bps
Loan Growth (YoY)-21.14%-31.68%-30.88%-34.69%-54.52%-3,338 bps
Share Growth (YoY)-14.26%-16.72%-19.49%-19.62%-5.10%+916 bps
Asset Quality
Delinquent Loans / Loans28.87%24.81%22.02%25.18%0.00%-2,887 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans5.46%5.98%6.65%7.57%1.54%-392 bps
Capital
Risk-Based Capital23.98%24.10%27.26%27.62%10.51%-1,347 bps
Net Worth / Assets23.98%24.10%27.26%27.62%10.51%-1,347 bps
Liquidity & Funding
Loans / Shares61.22%57.54%60.76%54.37%29.34%-3,188 bps
Liquid Assets / Assets54.43%57.77%56.07%61.19%71.40%+1,697 bps