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Niagara Mohawk Power Mohawk Div.

Gloversville, NY · Charter 2737

Q3 2012

$9.0MAssets
$3.3MLoans
$6.8MShares
$2.2MNet 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 0.20%, down 83 bps year over year; NIM at 2.54%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 24.07%, down 27 bps from a year ago.
  • Funding: loans stand at 49.00% of shares as of Q3 2012.

Financial Results

Return on Assets (quarter, annualized)

0.20%-83 bps YoY

Net Interest Margin (quarter, annualized)

2.54%-42 bps YoY

Efficiency Ratio (quarter, annualized)

92.37%+2,752 bps YoY

Net Worth / Assets

24.07%-27 bps YoY

Discrete quarter, annualized.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets1.03%1.00%1.37%0.63%0.20%-83 bps
Return on Equity4.22%4.18%5.57%2.57%0.83%-338 bps
Net Interest Margin2.96%2.90%3.01%2.73%2.54%-42 bps
Efficiency Ratio64.85%65.15%55.74%77.63%92.37%+2,752 bps
Growth
Asset Growth (YoY)5.14%6.73%0.55%3.28%2.83%-231 bps
Loan Growth (YoY)-4.12%-3.90%-1.12%0.24%1.43%+555 bps
Share Growth (YoY)4.67%7.11%-0.70%3.15%2.70%-197 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.10%0.10%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.70%0.70%0.70%0.69%0.59%-11 bps
Capital
Risk-Based Capital24.34%24.00%24.56%24.52%24.07%-27 bps
Net Worth / Assets24.34%24.00%24.56%24.52%24.07%-27 bps
Liquidity & Funding
Loans / Shares49.62%48.23%48.70%50.02%49.00%-62 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps