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Niagara Falls Penn Central Empl

Niagara Falls, NY · Charter 62866

Q1 2015

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: Q1 2015, the quarter ended March 31, 2015, 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

Niagara Falls Penn Central Empl

Niagara Falls, NY · Charter 62866

Q1 2015

$3.7MAssets
$2.1MLoans
$3.1MShares
$538KNet 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 0.40%, up 198 bps year over year; NIM at 3.92%.
  • Asset quality: problem loans at 1.13% of loans (+53 bps YoY).
  • Capital: net worth / assets of 14.63%, up 121 bps from a year ago.
  • Funding: loans stand at 67.69% of shares as of Q1 2015.

Financial Results

Return on Assets (YTD, annualized)

0.40%+198 bps YoY

Net Interest Margin (YTD, annualized)

3.92%+126 bps YoY

Efficiency Ratio (YTD, annualized)

90.75%-6,552 bps YoY

Net Worth / Assets

14.63%+121 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2014Q2 2014Q3 2014Q4 2014Q1 2015YoY ΔTrend
Earnings
Return on Assets-1.59%0.08%-0.12%-1.06%0.40%+198 bps
Return on Equity-11.82%0.56%-0.83%-7.53%2.71%+1,454 bps
Net Interest Margin2.66%2.91%3.21%3.34%3.92%+126 bps
Efficiency Ratio156.27%133.18%122.93%114.46%90.75%-6,552 bps
Growth
Asset Growth (YoY)-9.43%-10.66%-12.03%-8.81%-11.55%-212 bps
Loan Growth (YoY)-10.36%-6.99%1.46%8.62%11.41%+2,177 bps
Share Growth (YoY)-9.23%-11.11%-12.91%-9.99%-12.69%-346 bps
Asset Quality
Delinquent Loans / Loans0.60%2.35%1.17%0.69%1.13%+53 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.40%1.40%0.50%2.04%2.42%-98 bps
Capital
Risk-Based Capital13.43%14.36%14.73%14.07%14.63%+121 bps
Net Worth / Assets13.43%14.36%14.73%14.07%14.63%+121 bps
Liquidity & Funding
Loans / Shares53.05%56.38%63.33%65.42%67.69%+1,465 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps