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Bakery Salesmen

Long Island Cty, NY · Charter 60107

Q4 2005

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: Q4 2005, the quarter ended December 31, 2005, 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

Bakery Salesmen

Long Island Cty, NY · Charter 60107

Q4 2005

$6.6MAssets
$2.7MLoans
$5.1MShares
$1.5MNet 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 0.99%, up 49 bps year over year; NIM at 4.85%.
  • Asset quality: problem loans at 2.52% of loans (+16 bps YoY).
  • Capital: net worth / assets of 23.07%, up 412 bps from a year ago.
  • Funding: loans stand at 52.92% of shares as of Q4 2005.

Financial Results

Return on Assets (YTD, annualized)

0.99%+49 bps YoY

Net Interest Margin (YTD, annualized)

4.85%+157 bps YoY

Efficiency Ratio (YTD, annualized)

78.57%-1,690 bps YoY

Net Worth / Assets

23.07%+412 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005YoY ΔTrend
Earnings
Return on Assets0.50%0.78%1.23%1.08%0.99%+49 bps
Return on Equity2.64%4.02%5.97%5.02%4.27%+163 bps
Net Interest Margin3.28%4.11%4.25%4.59%4.85%+157 bps
Efficiency Ratio95.47%93.90%80.06%76.76%78.57%-1,690 bps
Growth
Asset Growth (YoY)-0.81%-4.33%-6.20%-9.08%-14.20%-1,339 bps
Loan Growth (YoY)1.57%4.12%11.52%-3.29%-10.57%-1,214 bps
Share Growth (YoY)-1.55%-5.69%-8.29%-11.95%-18.58%-1,703 bps
Asset Quality
Delinquent Loans / Loans2.36%1.28%2.19%2.95%2.52%+16 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.86%1.94%1.67%1.83%2.08%+22 bps
Capital
Risk-Based Capital18.95%19.50%20.52%21.42%23.07%+412 bps
Net Worth / Assets18.95%19.50%20.52%21.42%23.07%+412 bps
Liquidity & Funding
Loans / Shares48.19%47.53%50.55%53.58%52.92%+474 bps
Liquid Assets / Assets29.62%29.85%20.08%22.53%21.45%-818 bps