Elmira Heights, NY · Charter 15476
Q3 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2008, the quarter ended September 30, 2008, 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.
Elmira Heights, NY · Charter 15476
Q3 2008
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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.69% | 0.68% | 0.72% | 0.79% | 0.82% | +13 bps | |
| Return on Equity | 7.46% | 7.33% | 8.02% | 8.66% | 8.65% | +119 bps | |
| Net Interest Margin | 3.94% | 3.91% | 3.82% | 3.91% | 4.06% | +12 bps | |
| Efficiency Ratio | 81.50% | 81.65% | 80.35% | 79.75% | 79.97% | -153 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.47% | 9.31% | 7.80% | 6.82% | 6.41% | +94 bps | |
| Loan Growth (YoY) | 10.74% | 13.37% | 15.70% | 12.28% | 12.79% | +205 bps | |
| Share Growth (YoY) | 5.79% | 9.04% | 7.50% | 7.27% | 6.67% | +87 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.72% | 0.75% | 0.45% | 0.41% | 0.46% | -26 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.51% | 0.46% | 0.43% | 0.41% | 0.32% | -18 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.27% | 9.31% | 9.03% | 9.11% | 9.49% | +22 bps | |
| Net Worth / Assets | 9.27% | 9.31% | 9.03% | 9.11% | 9.49% | +22 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.09% | 51.47% | 49.53% | 50.08% | 52.97% | +288 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |