Niagara Falls, NY · Charter 4659
Q2 1996
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1996, the quarter ended June 30, 1996, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Niagara Falls, NY · Charter 4659
Q2 1996
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.85% | 3.00% | 2.35% | 2.58% | 2.85% | 0 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | -26.60% | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -25.97% | n/a | n/a |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -29.19% | n/a | n/a |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.10% | 7.72% | 8.04% | 0.00% | 0.00% | -10 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.79% | 3.61% | 3.68% | 4.61% | 2.85% | -95 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.59% | 88.72% | 89.64% | 75.30% | 74.84% | +326 bps | |
| Liquid Assets / Assets | 25.75% | 11.10% | 19.28% | 25.06% | 30.46% | +471 bps | |