Buffalo, NY · Charter 22753
Q4 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1997, the quarter ended December 31, 1997, 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.
Buffalo, NY · Charter 22753
Q4 1997
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 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.24% | 3.35% | 3.37% | 3.33% | 3.40% | -84 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | n/a | -13.85% | -18.07% | -12.36% | -0.35% | n/a | |
| Loan Growth (YoY) | n/a | 34.56% | 54.69% | 49.44% | 35.10% | n/a | |
| Share Growth (YoY) | n/a | -16.36% | -20.85% | -14.48% | -1.70% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.96% | 3.20% | 2.18% | 2.51% | 1.74% | -721 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.39% | 0.44% | 0.55% | 0.68% | 0.95% | -44 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 38.61% | 42.74% | 57.85% | 58.35% | 53.07% | +1,445 bps | |
| Liquid Assets / Assets | 62.13% | 57.58% | 30.97% | 44.79% | 51.15% | -1,098 bps | |