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East Aurora, NY · Charter 15387

Q3 2005

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 2005, the quarter ended September 30, 2005, 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

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East Aurora, NY · Charter 15387

Q3 2005

$921KAssets
$452KLoans
$666KShares
$203KNet 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 0.15%, up 64 bps year over year; NIM at 4.38%.
  • Asset quality: problem loans at 2.82% of loans (+128 bps YoY).
  • Capital: net worth / assets of 22.05%, up 478 bps from a year ago.
  • Funding: loans stand at 67.78% of shares as of Q3 2005.

Financial Results

Return on Assets (YTD, annualized)

0.15%+64 bps YoY

Net Interest Margin (YTD, annualized)

4.38%+101 bps YoY

Efficiency Ratio (YTD, annualized)

96.68%-1,802 bps YoY

Net Worth / Assets

22.05%+478 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets-0.49%-0.25%0.36%0.27%0.15%+64 bps
Return on Equity-2.87%-1.42%2.03%1.43%0.66%+353 bps
Net Interest Margin3.37%3.48%3.53%3.80%4.38%+101 bps
Efficiency Ratio114.69%107.13%89.70%92.98%96.68%-1,802 bps
Growth
Asset Growth (YoY)3.36%-0.57%-6.36%-13.86%-21.21%-2,457 bps
Loan Growth (YoY)-16.59%-16.14%-7.48%-12.24%-15.68%+91 bps
Share Growth (YoY)4.11%-0.30%-7.33%-16.47%-30.94%-3,505 bps
Asset Quality
Delinquent Loans / Loans1.54%0.61%1.99%2.15%2.82%+128 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.70%0.18%0.19%0.20%0.25%-44 bps
Capital
Risk-Based Capital17.27%17.45%17.88%18.70%22.05%+478 bps
Net Worth / Assets17.27%17.45%17.88%18.70%22.05%+478 bps
Liquidity & Funding
Loans / Shares55.51%55.19%53.57%53.01%67.78%+1,227 bps
Liquid Assets / Assets52.74%52.90%54.37%55.17%49.10%-364 bps