Brockport, NY · Charter 22709
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.
Brockport, NY · Charter 22709
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 | -1.07% | -2.91% | -2.95% | -1.73% | -1.64% | -58 bps | |
| Return on Equity | -14.13% | -41.52% | -50.34% | -30.55% | -23.92% | -979 bps | |
| Net Interest Margin | 1.24% | 3.35% | 3.14% | 3.77% | 4.75% | +352 bps | |
| Efficiency Ratio | 135.30% | 154.01% | 162.91% | 131.01% | 124.69% | -1,061 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.51% | -1.88% | -4.98% | -7.60% | -13.67% | -816 bps | |
| Loan Growth (YoY) | 15.45% | 6.49% | 13.08% | -8.19% | -12.63% | -2,808 bps | |
| Share Growth (YoY) | -3.21% | 1.19% | -2.42% | -6.09% | -13.06% | -984 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.76% | 0.67% | 0.24% | 0.91% | 1.06% | +30 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.92% | 1.45% | 1.50% | 1.72% | 1.78% | -14 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.54% | 7.01% | 5.86% | 5.67% | 6.88% | -66 bps | |
| Net Worth / Assets | 7.54% | 7.01% | 5.86% | 5.67% | 6.88% | -66 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.18% | 52.97% | 50.91% | 46.60% | 56.46% | +28 bps | |
| Liquid Assets / Assets | 46.04% | 48.67% | 49.97% | 54.11% | 45.15% | -89 bps | |