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Excelsior

Albany, NY · Charter 24788

Q3 2007

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: Q3 2007, the quarter ended September 30, 2007, 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

Excelsior

Albany, NY · Charter 24788

Q3 2007

$78.1MAssets
$58.7MLoans
$68.8MShares
$6.9MNet 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 -3.43%; NIM at 2.40%.
  • Asset quality: problem loans at 0.95% of loans.
  • Capital: net worth / assets of 8.83%.
  • Funding: loans stand at 85.25% of shares as of Q3 2007.

Financial Results

Return on Assets (YTD, annualized)

-3.43%

Net Interest Margin (YTD, annualized)

2.40%

Efficiency Ratio (YTD, annualized)

154.70%

Net Worth / Assets

8.83%

Year to date, annualized, through each quarter.

MetricQ3 2007YoY ΔTrend
Earnings
Return on Assets-3.43%n/an/a
Return on Equity-38.87%n/an/a
Net Interest Margin2.40%n/an/a
Efficiency Ratio154.70%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 / Loans0.95%n/an/a
Net Charge-Offs / Loansn/an/an/a
Allowance / Loans1.21%n/an/a
Capital
Risk-Based Capital8.83%n/an/a
Net Worth / Assets8.83%n/an/a
Liquidity & Funding
Loans / Shares85.25%n/an/a
Liquid Assets / Assets0.00%n/an/a