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Niagara Du Pont Employees

Niagara Falls, NY · Charter 63759

NCUA · 3 branches

Q3 2016

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: Q3 2016, the quarter ended September 30, 2016, 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 Du Pont Employees

Niagara Falls, NY · Charter 63759

NCUA · 3 branches

Q3 2016

$16.8MAssets
$11.4MLoans
$14.9MShares
$1.9MNet 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 0.17%, down 23 bps year over year; NIM at 3.88%.
  • Asset quality: problem loans at 2.71% of loans (+66 bps YoY).
  • Capital: net worth / assets of 11.09%, up 34 bps from a year ago.
  • Funding: loans stand at 76.54% of shares as of Q3 2016.

Financial Results

Return on Assets (YTD, annualized)

0.17%-23 bps YoY

Net Interest Margin (YTD, annualized)

3.88%-17 bps YoY

Efficiency Ratio (YTD, annualized)

79.19%+489 bps YoY

Net Worth / Assets

11.09%+34 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets0.40%0.06%0.13%0.14%0.17%-23 bps
Return on Equity3.74%0.62%1.15%1.26%1.54%-220 bps
Net Interest Margin4.05%3.89%3.79%3.84%3.88%-17 bps
Efficiency Ratio74.31%75.14%85.14%79.65%79.19%+489 bps
Growth
Asset Growth (YoY)0.09%2.84%-5.96%-3.51%-4.06%-416 bps
Loan Growth (YoY)-10.80%-10.69%-9.01%-6.49%-5.62%+517 bps
Share Growth (YoY)-0.43%3.07%-6.67%-3.98%-4.55%-412 bps
Asset Quality
Delinquent Loans / Loans2.06%2.86%1.57%2.44%2.71%+66 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.18%1.19%1.18%1.30%1.37%+19 bps
Capital
Risk-Based Capital10.75%10.28%10.95%11.04%11.09%+34 bps
Net Worth / Assets10.75%10.28%10.95%11.04%11.09%+34 bps
Liquidity & Funding
Loans / Shares77.41%72.58%77.49%78.17%76.54%-87 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps