PackageTrendsPeer
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Albany Community Development FCU

Albany, NY · Charter 24619

Q4 2002

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: Q4 2002, the quarter ended December 31, 2002, 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

Albany Community Development FCU

Albany, NY · Charter 24619

Q4 2002

$343KAssets
$41KLoans
$306KShares
$27KNet Worth

Executive Summary

  • Earnings: ROA of -0.26%, down 514 bps year over year; NIM at 2.57%.
  • Asset quality: problem loans at 64.96% of loans (+6,496 bps YoY).
  • Capital: net worth / assets of 7.91%, down 36 bps from a year ago.
  • Funding: loans stand at 13.27% of shares as of Q4 2002.

Return on Assets (YTD, annualized)

-0.26%-514 bps YoY

Net Interest Margin (YTD, annualized)

2.57%-11 bps YoY

Efficiency Ratio (YTD, annualized)

71.60%-357 bps YoY

Net Worth / Assets

7.91%-36 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 1999Q2 2000Q4 2000Q2 2001Q4 2001Q2 2002Q3 2002Q4 2002YoY ΔTrend
Earnings
Return on Assets-2.55%3.79%3.40%4.88%-2.21%6.29%4.55%-0.26%-514 bps
Return on Equityn/an/a56.15%58.96%-29.48%60.32%49.24%-3.30%-6,226 bps
Net Interest Margin0.10%3.86%3.21%2.68%1.03%2.90%2.32%2.57%-11 bps
Efficiency Ratio137.76%74.39%78.56%75.17%113.93%55.15%58.79%71.60%-357 bps
Growth
Asset Growth (YoY)n/an/an/a282%29.79%8.29%-5.11%-16.58%-29,851 bps
Loan Growth (YoY)n/an/an/an/an/a1067%366%12.68%n/a
Share Growth (YoY)n/an/an/a370%27.89%8.12%-5.75%-16.77%-38,628 bps
Asset Quality
Delinquent Loans / Loansn/a0.00%0.00%0.00%8.33%39.06%51.61%64.96%+6,496 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/a0.00%0.00%0.00%1.87%12.95%13.68%21.27%+2,127 bps
Capital
Risk-Based Capitaln/an/a6.06%8.27%7.49%10.42%9.23%7.91%-36 bps
Net Worth / Assetsn/an/a6.06%8.27%7.49%10.42%9.23%7.91%-36 bps
Liquidity & Funding
Loans / Shares0.00%1.43%3.09%9.80%17.65%15.49%15.27%13.27%+347 bps
Liquid Assets / Assets93.00%89.09%81.52%77.43%66.30%80.77%80.22%79.56%+213 bps