PackageTrendsPeer
Letter portraitLegal landscape

Skidmore Students

Saratoga Sprngs, NY · Charter 24021

Q1 2008

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 2008, the quarter ended March 31, 2008, 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

Skidmore Students

Saratoga Sprngs, NY · Charter 24021

Q1 2008

$152KAssets
$0KLoans
$76KShares
$73KNet Worth

Executive Summary

  • Earnings: ROA of 0.15%, down 428 bps year over year; NIM at 1.84%.
  • Capital: net worth / assets of 48.11%, down 396 bps from a year ago.
  • Funding: loans stand at 0.00% of shares as of Q1 2008.

Return on Assets (YTD, annualized)

0.15%-428 bps YoY

Net Interest Margin (YTD, annualized)

1.84%-146 bps YoY

Efficiency Ratio (YTD, annualized)

93.68%+8,067 bps YoY

Net Worth / Assets

48.11%-396 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2006Q3 2006Q4 2006Q1 2007Q2 2007Q3 2007Q4 2007Q1 2008YoY ΔTrend
Earnings
Return on Assets5.27%3.87%3.75%4.43%4.77%3.31%3.77%0.15%-428 bps
Return on Equity7.83%7.45%6.80%8.51%7.22%7.13%7.08%0.32%-820 bps
Net Interest Margin3.86%3.01%3.30%3.30%3.99%2.69%3.14%1.84%-146 bps
Efficiency Ratio20.03%20.90%25.00%13.02%14.52%11.76%11.55%93.68%+8,067 bps
Growth
Asset Growth (YoY)8.78%2.71%5.33%6.04%8.90%19.53%11.44%14.09%+804 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Share Growth (YoY)15.75%0.20%4.09%8.34%20.41%39.18%19.06%21.59%+1,325 bps
Asset Quality
Delinquent Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Capital
Risk-Based Capital67.26%51.89%55.14%52.07%66.06%46.46%53.26%48.11%-396 bps
Net Worth / Assets67.26%51.89%55.14%52.07%66.06%46.46%53.26%48.11%-396 bps
Liquidity & Funding
Loans / Shares0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps