PackageTrendsPeer
Letter portraitLegal landscape

Carbon/Graphite Group

Niagara Falls, NY · Charter 6255

Q4 2002

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 2002, the quarter ended December 31, 2002, 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

Carbon/Graphite Group

Niagara Falls, NY · Charter 6255

Q4 2002

$1.2MAssets
$465KLoans
$849KShares
$304KNet 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 -12.09%, down 1,107 bps year over year; NIM at 5.63%.
  • Asset quality: problem loans at 14.93% of loans (+1,291 bps YoY).
  • Capital: net worth / assets of 26.33%, down 2 bps from a year ago.
  • Funding: loans stand at 54.74% of shares as of Q4 2002.

Financial Results

Return on Assets (YTD, annualized)

-12.09%-1,107 bps YoY

Net Interest Margin (YTD, annualized)

5.63%-36 bps YoY

Efficiency Ratio (YTD, annualized)

103.89%+709 bps YoY

Net Worth / Assets

26.33%-2 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2001Q4 2001Q2 2002Q3 2002Q4 2002YoY ΔTrend
Earnings
Return on Assets-1.02%-1.12%-1.86%-0.95%-12.09%-1,107 bps
Return on Equity-3.88%-3.92%-6.74%-3.28%-45.93%-4,205 bps
Net Interest Margin5.99%5.77%4.00%4.47%5.63%-36 bps
Efficiency Ratio96.80%103.00%107.63%97.42%103.89%+709 bps
Growth
Asset Growth (YoY)-10.75%-16.35%-15.58%-12.15%-32.73%-2,198 bps
Loan Growth (YoY)-25.75%-26.20%-40.79%-36.35%-40.44%-1,470 bps
Share Growth (YoY)-14.35%-21.14%-18.19%-14.48%-32.36%-1,802 bps
Asset Quality
Delinquent Loans / Loans2.02%8.52%9.74%14.20%14.93%+1,291 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.65%2.57%3.74%4.28%27.14%+2,549 bps
Capital
Risk-Based Capital26.35%28.55%27.52%28.81%26.33%-2 bps
Net Worth / Assets26.35%28.55%27.52%28.81%26.33%-2 bps
Liquidity & Funding
Loans / Shares62.17%65.47%51.94%50.27%54.74%-743 bps
Liquid Assets / Assets52.35%50.61%38.94%62.86%65.82%+1,347 bps