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Nash Council

Buffalo, NY · Charter 18589

Q3 2009

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 2009, the quarter ended September 30, 2009, 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

Nash Council

Buffalo, NY · Charter 18589

Q3 2009

$147KAssets
$76KLoans
$125KShares
$22KNet 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 -11.03%, down 1,255 bps year over year; NIM at 4.22%.
  • Asset quality: problem loans at 23.02% of loans (-410 bps YoY).
  • Capital: net worth / assets of 14.80%, down 603 bps from a year ago.
  • Funding: loans stand at 60.68% of shares as of Q3 2009.

Financial Results

Return on Assets (YTD, annualized)

-11.03%-1,255 bps YoY

Net Interest Margin (YTD, annualized)

4.22%-125 bps YoY

Efficiency Ratio (YTD, annualized)

85.30%+1,302 bps YoY

Net Worth / Assets

14.80%-603 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2008Q4 2008Q1 2009Q2 2009Q3 2009YoY ΔTrend
Earnings
Return on Assets1.52%0.33%-4.17%-16.87%-11.03%-1,255 bps
Return on Equity7.31%1.65%-20.70%-119.29%-74.50%-8,181 bps
Net Interest Margin5.47%4.88%4.24%3.88%4.22%-125 bps
Efficiency Ratio72.29%76.40%120.35%91.43%85.30%+1,302 bps
Growth
Asset Growth (YoY)-30.72%-30.63%-34.21%-40.65%-13.23%+1,749 bps
Loan Growth (YoY)-28.83%-27.19%-6.99%-19.95%-14.71%+1,412 bps
Share Growth (YoY)-36.33%-35.87%-38.96%-40.83%-6.67%+2,966 bps
Asset Quality
Delinquent Loans / Loans27.11%35.56%24.81%16.01%23.02%-410 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans6.32%8.06%8.38%16.01%15.44%+911 bps
Capital
Risk-Based Capital20.83%20.23%20.12%14.14%14.80%-603 bps
Net Worth / Assets20.83%20.23%20.12%14.14%14.80%-603 bps
Liquidity & Funding
Loans / Shares66.40%65.01%65.51%56.81%60.68%-572 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps