Buffalo, NY · Charter 19299
Q3 2005
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Buffalo, NY · Charter 19299
Q3 2005
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 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.32% | -2.22% | -3.37% | -2.23% | -1.18% | -150 bps | |
| Return on Equity | 3.34% | -22.40% | -38.05% | -24.03% | -12.44% | -1,578 bps | |
| Net Interest Margin | 2.91% | 2.89% | 3.35% | 3.32% | 3.53% | +62 bps | |
| Efficiency Ratio | 89.53% | 109.45% | 120.19% | 116.74% | 128.75% | +3,922 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.46% | -10.00% | -9.58% | -13.59% | -15.44% | -598 bps | |
| Loan Growth (YoY) | -31.50% | -32.90% | -23.92% | 5.20% | 31.93% | +6,342 bps | |
| Share Growth (YoY) | -9.16% | -8.79% | -7.39% | -12.02% | -15.41% | -625 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.35% | 0.18% | 0.38% | 1.46% | 0.00% | -535 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.07% | 0.65% | 1.78% | 1.83% | 1.96% | +89 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.55% | 9.91% | 8.86% | 9.28% | 9.47% | -8 bps | |
| Net Worth / Assets | 9.55% | 9.91% | 8.86% | 9.28% | 9.47% | -8 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 28.68% | 30.94% | 30.32% | 40.86% | 44.72% | +1,605 bps | |
| Liquid Assets / Assets | 72.41% | 70.25% | 70.74% | 60.47% | 57.21% | -1,520 bps | |