PackageTrendsPeer
Letter portraitLegal landscape

Trico Employees

Buffalo, NY · Charter 23535

Q1 2006

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: Q1 2006, the quarter ended March 31, 2006, 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

Trico Employees

Buffalo, NY · Charter 23535

Q1 2006

$268KAssets
$209KLoans
$192KShares
$70KNet 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 -87.28%, down 7,444 bps year over year; NIM at 9.02%.
  • Asset quality: problem loans at 2.34% of loans (-310 bps YoY).
  • Capital: net worth / assets of 26.27%, down 1,362 bps from a year ago.
  • Funding: loans stand at 108.63% of shares as of Q1 2006.

Financial Results

Return on Assets (YTD, annualized)

-87.28%-7,444 bps YoY

Net Interest Margin (YTD, annualized)

9.02%+242 bps YoY

Efficiency Ratio (YTD, annualized)

225%+10,389 bps YoY

Net Worth / Assets

26.27%-1,362 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2005Q2 2005Q3 2005Q4 2005Q1 2006YoY ΔTrend
Earnings
Return on Assets-12.84%-5.92%-7.15%-16.15%-87.28%-7,444 bps
Return on Equity-32.18%-14.09%-17.05%-40.34%-332%-30,002 bps
Net Interest Margin6.61%7.05%7.05%8.38%9.02%+242 bps
Efficiency Ratio121.40%96.77%139.18%133.84%225%+10,389 bps
Growth
Asset Growth (YoY)-19.25%-18.97%-17.51%-31.70%-36.27%-1,702 bps
Loan Growth (YoY)-16.45%-15.94%4.24%-5.74%-35.16%-1,870 bps
Share Growth (YoY)-22.89%-23.80%-23.08%-34.96%-23.02%-13 bps
Asset Quality
Delinquent Loans / Loans5.44%6.28%15.83%27.34%2.34%-310 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans6.22%6.48%5.63%15.19%7.87%+164 bps
Capital
Risk-Based Capital39.90%41.99%41.97%40.03%26.27%-1,362 bps
Net Worth / Assets39.90%41.99%41.97%40.03%26.27%-1,362 bps
Liquidity & Funding
Loans / Shares128.96%143.77%173.24%177.98%108.63%-2,033 bps
Liquid Assets / Assets23.43%18.59%3.96%7.12%24.13%+69 bps