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Buffalo Telephone Employees

Buffalo, NY · Charter 24697

Q3 2003

$54.6MAssets
$10.1MLoans
$46.9MShares
$7.7MNet 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 0.82%; NIM at 2.07%.
  • Asset quality: problem loans at 4.43% of loans.
  • Capital: net worth / assets of 14.01%.
  • Funding: loans stand at 21.53% of shares as of Q3 2003.

Financial Results

Return on Assets (quarter, annualized)

0.82%

Net Interest Margin (quarter, annualized)

2.07%

Efficiency Ratio (quarter, annualized)

75.81%

Net Worth / Assets

14.01%

Discrete quarter, annualized.

MetricQ3 2003YoY ΔTrend
Earnings
Return on Assets0.82%n/an/a
Return on Equity5.89%n/an/a
Net Interest Margin2.07%n/an/a
Efficiency Ratio75.81%n/an/a
Growth
Asset Growth (YoY)n/an/an/a
Loan Growth (YoY)n/an/an/a
Share Growth (YoY)n/an/an/a
Asset Quality
Delinquent Loans / Loans4.43%n/an/a
Net Charge-Offs / Loansn/an/an/a
Allowance / Loans2.94%n/an/a
Capital
Risk-Based Capital14.01%n/an/a
Net Worth / Assets14.01%n/an/a
Liquidity & Funding
Loans / Shares21.53%n/an/a
Liquid Assets / Assets52.22%n/an/a