Rochester, NY · Charter 62707
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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.
Rochester, NY · Charter 62707
Q1 2007
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 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.06% | 0.31% | 0.30% | 0.29% | 0.26% | +20 bps | |
| Return on Equity | 0.44% | 2.14% | 2.05% | 1.99% | 1.75% | +131 bps | |
| Net Interest Margin | 3.69% | 3.78% | 3.84% | 3.75% | 5.11% | +143 bps | |
| Efficiency Ratio | 98.59% | 93.51% | 92.71% | 91.97% | 95.15% | -344 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.21% | -2.37% | 1.13% | -3.93% | -2.67% | -146 bps | |
| Loan Growth (YoY) | -5.98% | 4.30% | 4.37% | 8.86% | 16.12% | +2,210 bps | |
| Share Growth (YoY) | -1.35% | -2.71% | 1.35% | -4.90% | -3.24% | -189 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.17% | 1.78% | 2.51% | 1.49% | 3.16% | +99 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.78% | 0.68% | 0.72% | 0.41% | 0.77% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.40% | 14.65% | 14.57% | 14.76% | 14.96% | +56 bps | |
| Net Worth / Assets | 14.40% | 14.65% | 14.57% | 14.76% | 14.96% | +56 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.66% | 82.61% | 84.36% | 87.64% | 86.00% | +1,434 bps | |
| Liquid Assets / Assets | 34.58% | 0.00% | 0.00% | 0.00% | 0.00% | -3,458 bps | |