PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

NFG Emp.

Erie, PA · Charter 5418

Q4 2007

$3.2MAssets
$1.5MLoans
$2.4MShares
$789KNet 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 0.91%, up 19 bps year over year; NIM at 4.29%.
  • Asset quality: problem loans at 0.00% of loans (-27 bps YoY).
  • Capital: net worth / assets of 24.98%, up 272 bps from a year ago.
  • Funding: loans stand at 63.40% of shares as of Q4 2007.

Financial Results

Return on Assets (YTD, annualized)

0.91%+19 bps YoY

Net Interest Margin (YTD, annualized)

4.29%+55 bps YoY

Efficiency Ratio (YTD, annualized)

79.17%-189 bps YoY

Net Worth / Assets

24.98%+272 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2006Q1 2007Q2 2007Q3 2007Q4 2007YoY ΔTrend
Earnings
Return on Assets0.72%0.59%0.84%0.72%0.91%+19 bps
Return on Equity3.22%2.63%3.58%3.03%3.63%+41 bps
Net Interest Margin3.74%3.76%4.06%4.09%4.29%+55 bps
Efficiency Ratio81.06%84.55%79.62%82.71%79.17%-189 bps
Growth
Asset Growth (YoY)-9.37%-7.94%-7.93%-3.84%-7.52%+185 bps
Loan Growth (YoY)-16.46%-11.22%0.51%9.05%6.72%+2,318 bps
Share Growth (YoY)-12.46%-10.66%-10.96%-5.76%-10.70%+177 bps
Asset Quality
Delinquent Loans / Loans0.27%0.00%0.00%0.20%0.00%-27 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.90%0.90%0.84%0.80%0.83%-7 bps
Capital
Risk-Based Capital22.26%22.40%23.44%23.69%24.98%+272 bps
Net Worth / Assets22.26%22.40%23.44%23.69%24.98%+272 bps
Liquidity & Funding
Loans / Shares53.05%53.12%60.21%63.61%63.40%+1,035 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps