PackageTrendsPeer
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St. Brigids Parishioners

West Senece, NY · Charter 3900

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

St. Brigids Parishioners

West Senece, NY · Charter 3900

Q3 2007

$161KAssets
$67KLoans
$112KShares
$48KNet 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 -3.71%, down 326 bps year over year; NIM at 1.23%.
  • Asset quality: problem loans at 0.00% of loans (-163 bps YoY).
  • Capital: net worth / assets of 29.91%, up 266 bps from a year ago.
  • Funding: loans stand at 59.69% of shares as of Q3 2007.

Financial Results

Return on Assets (YTD, annualized)

-3.71%-326 bps YoY

Net Interest Margin (YTD, annualized)

1.23%-353 bps YoY

Efficiency Ratio (YTD, annualized)

368%+25,895 bps YoY

Net Worth / Assets

29.91%+266 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets-0.44%-1.67%-0.91%-0.90%-3.71%-326 bps
Return on Equity-1.62%-5.54%-2.99%-2.93%-12.39%-1,077 bps
Net Interest Margin4.75%4.47%4.93%4.73%1.23%-353 bps
Efficiency Ratio109.31%137.39%117.77%118.79%368%+25,895 bps
Growth
Asset Growth (YoY)6.33%-3.82%-6.45%-10.19%-21.22%-2,754 bps
Loan Growth (YoY)11.87%16.57%-3.70%-9.30%-39.88%-5,175 bps
Share Growth (YoY)6.99%-5.43%-6.93%-12.90%-24.49%-3,148 bps
Asset Quality
Delinquent Loans / Loans1.63%0.28%0.00%0.00%0.00%-163 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.01%1.12%1.27%1.50%1.69%+67 bps
Capital
Risk-Based Capital27.25%30.17%30.45%30.80%29.91%+266 bps
Net Worth / Assets27.25%30.17%30.45%30.80%29.91%+266 bps
Liquidity & Funding
Loans / Shares74.96%83.65%73.64%63.90%59.69%-1,528 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps