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Niagara Falls Mem. Med. Center

Niagara Falls, NY · Charter 18391

NCUA · 1 branch

Q1 2018

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: Q1 2018, the quarter ended March 31, 2018, 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

Niagara Falls Mem. Med. Center

Niagara Falls, NY · Charter 18391

NCUA · 1 branch

Q1 2018

$4.0MAssets
$1.0MLoans
$3.6MShares
$348KNet 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 -0.03%, down 157 bps year over year; NIM at 2.62%.
  • Asset quality: problem loans at 2.53% of loans (+178 bps YoY).
  • Capital: net worth / assets of 8.79%, up 158 bps from a year ago.
  • Funding: loans stand at 28.38% of shares as of Q1 2018.

Financial Results

Return on Assets (YTD, annualized)

-0.03%-157 bps YoY

Net Interest Margin (YTD, annualized)

2.62%-96 bps YoY

Efficiency Ratio (YTD, annualized)

100.99%+1,506 bps YoY

Net Worth / Assets

8.79%+158 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2017Q2 2017Q3 2017Q4 2017Q1 2018YoY ΔTrend
Earnings
Return on Assets1.54%1.66%2.78%1.54%-0.03%-157 bps
Return on Equity21.32%21.53%32.39%18.03%-0.35%-2,167 bps
Net Interest Margin3.58%3.10%2.83%2.84%2.62%-96 bps
Efficiency Ratio85.93%100.42%102.21%119.91%100.99%+1,506 bps
Growth
Asset Growth (YoY)-4.76%-5.52%-2.66%-2.92%-5.35%-58 bps
Loan Growth (YoY)-33.46%-32.60%-34.06%-32.12%-34.81%-134 bps
Share Growth (YoY)0.29%-1.38%-4.32%-4.68%-6.95%-724 bps
Asset Quality
Delinquent Loans / Loans0.75%2.16%5.06%5.12%2.53%+178 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans12.21%10.48%8.29%8.61%7.79%-441 bps
Capital
Risk-Based Capital7.21%7.72%8.59%8.54%8.79%+158 bps
Net Worth / Assets7.21%7.72%8.59%8.54%8.79%+158 bps
Liquidity & Funding
Loans / Shares40.50%37.39%32.68%33.58%28.38%-1,212 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps