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Our Lady of Victory Institutions

Lackawanna, NY · Charter 20898

NCUA · 1 branch

Q3 2016

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 2016, the quarter ended September 30, 2016, 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 2026-10-10

Our Lady of Victory Institutions

Lackawanna, NY · Charter 20898

NCUA · 1 branch

Q3 2016

$4.4MAssets
$793KLoans
$3.7MShares
$676KNet 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 -0.95%, down 8 bps year over year; NIM at 1.99%.
  • Asset quality: problem loans at 0.05% of loans (+3 bps YoY).
  • Capital: net worth / assets of 15.47%, up 27 bps from a year ago.
  • Funding: loans stand at 21.48% of shares as of Q3 2016.

Financial Results

Return on Assets (YTD, annualized)

-0.95%-8 bps YoY

Net Interest Margin (YTD, annualized)

1.99%+4 bps YoY

Efficiency Ratio (YTD, annualized)

150.14%+1,713 bps YoY

Net Worth / Assets

15.47%+27 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets-0.87%-0.90%-0.93%-1.27%-0.95%-8 bps
Return on Equity-5.75%-5.71%-5.93%-8.31%-6.16%-41 bps
Net Interest Margin1.95%2.03%2.00%1.97%1.99%+4 bps
Efficiency Ratio133.01%132.32%135.23%148.39%150.14%+1,713 bps
Growth
Asset Growth (YoY)-4.43%-4.51%-8.63%-6.37%-7.30%-287 bps
Loan Growth (YoY)-10.58%-14.91%-15.87%-16.02%-11.15%-57 bps
Share Growth (YoY)-4.29%-4.40%-9.14%-6.26%-7.54%-324 bps
Asset Quality
Delinquent Loans / Loans0.03%0.01%0.00%0.00%0.05%+3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.78%1.85%2.10%2.08%0.59%-119 bps
Capital
Risk-Based Capital15.21%15.79%15.74%15.30%15.47%+27 bps
Net Worth / Assets15.21%15.79%15.74%15.30%15.47%+27 bps
Liquidity & Funding
Loans / Shares22.36%22.90%21.92%22.12%21.48%-87 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps