Lewiston, NY · Charter 14699
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 2010, 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.
Lewiston, NY · Charter 14699
Q1 2010
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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.54% | 0.34% | 0.12% | -0.99% | -1.19% | -172 bps | |
| Return on Equity | 2.58% | 1.67% | 0.57% | -5.05% | -6.03% | -861 bps | |
| Net Interest Margin | 2.85% | 2.57% | 2.45% | 2.31% | 1.57% | -127 bps | |
| Efficiency Ratio | 81.36% | 86.85% | 95.26% | 108.43% | 174.25% | +9,290 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.68% | -0.17% | 0.61% | -1.00% | -0.68% | -136 bps | |
| Loan Growth (YoY) | -22.26% | -21.69% | -25.47% | -27.17% | -29.42% | -716 bps | |
| Share Growth (YoY) | 1.43% | 0.33% | 1.25% | -0.14% | 0.72% | -71 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.53% | 2.24% | 3.94% | 4.86% | 4.66% | +413 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.24% | 0.26% | 0.29% | 0.76% | 0.89% | +65 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.89% | 20.57% | 20.61% | 19.70% | 19.66% | -122 bps | |
| Net Worth / Assets | 20.89% | 20.57% | 20.61% | 19.70% | 19.66% | -122 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.22% | 44.79% | 40.94% | 37.48% | 33.09% | -1,413 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |