Lockport, NY · Charter 18435
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 2012, 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.
Lockport, NY · Charter 18435
Q3 2012
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 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.18% | 0.33% | 0.44% | 0.52% | 0.48% | +30 bps | |
| Return on Equity | 2.59% | 4.62% | 6.37% | 7.45% | 6.75% | +416 bps | |
| Net Interest Margin | 3.44% | 3.44% | 3.19% | 3.14% | 3.18% | -26 bps | |
| Efficiency Ratio | 95.77% | 92.24% | 89.07% | 86.94% | 87.94% | -782 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.33% | 6.23% | 6.15% | 6.81% | 6.12% | -221 bps | |
| Loan Growth (YoY) | 2.81% | -3.39% | -3.10% | 0.50% | -2.34% | -515 bps | |
| Share Growth (YoY) | 8.60% | 6.20% | 6.15% | 5.87% | 5.70% | -289 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.33% | 0.80% | 0.88% | 0.88% | 0.58% | +25 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.12% | 1.15% | 1.06% | 1.00% | 1.01% | -11 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.97% | 7.21% | 6.93% | 6.98% | 7.18% | +21 bps | |
| Net Worth / Assets | 6.97% | 7.21% | 6.93% | 6.98% | 7.18% | +21 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.29% | 58.82% | 55.28% | 55.63% | 55.70% | -459 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 96.87% | 98.36% | 0.00% | 0 bps | |