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Depew Teachers

Lancaster, NY · Charter 2120

Q3 2005

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 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.

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

Depew Teachers

Lancaster, NY · Charter 2120

Q3 2005

$3.8MAssets
$1.4MLoans
$3.2MShares
$565KNet Worth

Executive Summary

  • Earnings: ROA of -2.83%, down 297 bps year over year; NIM at -0.14%.
  • Asset quality: problem loans at 2.22% of loans (+170 bps YoY).
  • Capital: net worth / assets of 14.88%, down 100 bps from a year ago.
  • Funding: loans stand at 44.74% of shares as of Q3 2005.

Return on Assets (YTD, annualized)

-2.83%-297 bps YoY

Net Interest Margin (YTD, annualized)

-0.14%-200 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

14.88%-100 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2003Q1 2004Q2 2004Q3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets0.10%0.18%0.07%0.14%0.21%0.27%0.38%-2.83%-297 bps
Return on Equity0.58%1.13%0.44%0.91%1.31%1.68%2.41%-19.00%-1,992 bps
Net Interest Margin2.02%1.85%0.88%1.86%1.91%2.00%2.27%-0.14%-200 bps
Efficiency Ratio95.26%90.25%92.45%92.22%89.14%86.42%83.20%n/an/a
Growth
Asset Growth (YoY)-5.01%-6.39%-1.98%0.45%4.93%0.87%-2.66%-5.98%-643 bps
Loan Growth (YoY)7.65%13.38%15.90%30.78%16.46%14.70%15.90%16.96%-1,381 bps
Share Growth (YoY)-6.03%-7.59%-2.45%0.39%5.64%0.73%-3.52%-4.91%-530 bps
Asset Quality
Delinquent Loans / Loans1.28%0.38%1.06%0.52%0.72%0.70%0.34%2.22%+170 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.64%0.66%0.66%0.64%0.61%0.24%0.23%1.60%+96 bps
Capital
Risk-Based Capital16.42%16.04%15.14%15.88%15.85%16.14%15.88%14.88%-100 bps
Net Worth / Assets16.42%16.04%15.14%15.88%15.85%16.14%15.88%14.88%-100 bps
Liquidity & Funding
Loans / Shares34.30%33.31%32.06%36.37%37.81%37.93%38.51%44.74%+837 bps
Liquid Assets / Assets68.19%12.70%69.79%48.46%65.27%34.55%56.53%53.94%+548 bps