PackageTrendsPeer
Letter portraitLegal landscape

Cayuga County School Employees

Auburn, NY · Charter 21548

Q4 2012

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: Q4 2012, the quarter ended December 31, 2012, 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

Cayuga County School Employees

Auburn, NY · Charter 21548

Q4 2012

$5.4MAssets
$831KLoans
$4.9MShares
$499KNet 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 -7.13%, down 531 bps year over year; NIM at -4.05%.
  • Asset quality: problem loans at 0.41% of loans (-182 bps YoY).
  • Capital: net worth / assets of 9.29%, down 628 bps from a year ago.
  • Funding: loans stand at 17.04% of shares as of Q4 2012.

Financial Results

Return on Assets (YTD, annualized)

-7.13%-531 bps YoY

Net Interest Margin (YTD, annualized)

-4.05%-544 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

9.29%-628 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2011Q1 2012Q2 2012Q3 2012Q4 2012YoY ΔTrend
Earnings
Return on Assets-1.82%-0.93%-0.71%-0.75%-7.13%-531 bps
Return on Equity-11.67%-6.17%-4.94%-4.66%-76.73%-6,506 bps
Net Interest Margin1.39%1.22%1.18%1.35%-4.05%-544 bps
Efficiency Ratio177.65%162.21%164.08%161.90%n/an/a
Growth
Asset Growth (YoY)2.48%-3.53%-3.45%-2.06%-5.19%-767 bps
Loan Growth (YoY)-38.44%-28.32%-19.47%-10.76%-3.61%+3,483 bps
Share Growth (YoY)5.62%-2.14%-2.26%-1.39%1.84%-378 bps
Asset Quality
Delinquent Loans / Loans2.24%2.98%2.61%1.30%0.41%-182 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.39%1.92%1.50%0.94%1.03%-36 bps
Capital
Risk-Based Capital15.57%15.03%14.36%16.03%9.29%-628 bps
Net Worth / Assets15.57%15.03%14.36%16.03%9.29%-628 bps
Liquidity & Funding
Loans / Shares18.01%15.60%15.21%18.57%17.04%-96 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps