PackageTrendsPeer
Letter portraitLegal landscape

Houde Employees

Alden, NY · Charter 2254

Q3 2003

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 2003, the quarter ended September 30, 2003, 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

Houde Employees

Alden, NY · Charter 2254

Q3 2003

$173KAssets
$46KLoans
$111KShares
$59KNet 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 -16.07%, down 1,664 bps year over year; NIM at 3.13%.
  • Asset quality: problem loans at 4.25% of loans (-144 bps YoY).
  • Capital: net worth / assets of 33.90%, up 1,227 bps from a year ago.
  • Funding: loans stand at 41.34% of shares as of Q3 2003.

Financial Results

Return on Assets (YTD, annualized)

-16.07%-1,664 bps YoY

Net Interest Margin (YTD, annualized)

3.13%+124 bps YoY

Efficiency Ratio (YTD, annualized)

164.82%+9,435 bps YoY

Net Worth / Assets

33.90%+1,227 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2002Q4 2002Q1 2003Q2 2003Q3 2003YoY ΔTrend
Earnings
Return on Assets0.57%0.54%0.22%-20.73%-16.07%-1,664 bps
Return on Equity2.62%2.43%0.95%-62.24%-47.41%-5,004 bps
Net Interest Margin1.89%1.90%1.71%3.69%3.13%+124 bps
Efficiency Ratio70.47%71.82%87.13%116.92%164.82%+9,435 bps
Growth
Asset Growth (YoY)-7.78%-6.75%-0.92%-50.24%-52.71%-4,493 bps
Loan Growth (YoY)-35.07%-40.77%-37.09%-45.62%-52.44%-1,737 bps
Share Growth (YoY)-11.23%-11.78%-1.22%-57.94%-61.07%-4,983 bps
Asset Quality
Delinquent Loans / Loans5.69%0.00%0.00%0.00%4.25%-144 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.79%2.05%2.31%36.39%43.48%+4,170 bps
Capital
Risk-Based Capital21.63%22.24%23.18%33.31%33.90%+1,227 bps
Net Worth / Assets21.63%22.24%23.18%33.31%33.90%+1,227 bps
Liquidity & Funding
Loans / Shares33.84%30.63%28.36%46.17%41.34%+750 bps
Liquid Assets / Assets58.23%74.74%76.35%56.14%80.53%+2,230 bps