PackageTrendsPeer
Letter portraitLegal landscape

Morse Chain Ithaca Employees

Ithaca, NY · Charter 68610

Q1 2011

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 2011, the quarter ended March 31, 2011, 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

Morse Chain Ithaca Employees

Ithaca, NY · Charter 68610

Q1 2011

$5.5MAssets
$3.5MLoans
$5.1MShares
$415KNet Worth

Executive Summary

  • Earnings: ROA of -1.13%; NIM at 3.51%.
  • Asset quality: problem loans at 2.39% of loans.
  • Capital: net worth / assets of 7.48%.
  • Funding: loans stand at 68.32% of shares as of Q1 2011.

Return on Assets (YTD, annualized)

-1.13%
n/a

Net Interest Margin (YTD, annualized)

3.51%
n/a

Efficiency Ratio (YTD, annualized)

120.74%
n/a

Net Worth / Assets

7.48%
n/a

Year to date, annualized, through each quarter.

MetricQ1 2011YoY ΔTrend
Earnings
Return on Assets-1.13%n/an/a
Return on Equity-15.10%n/an/a
Net Interest Margin3.51%n/an/a
Efficiency Ratio120.74%n/an/a
Growth
Asset Growth (YoY)n/an/an/a
Loan Growth (YoY)n/an/an/a
Share Growth (YoY)n/an/an/a
Asset Quality
Delinquent Loans / Loans2.39%n/an/a
Net Charge-Offs / Loansn/an/an/a
Allowance / Loans1.26%n/an/a
Capital
Risk-Based Capital7.48%n/an/a
Net Worth / Assets7.48%n/an/a
Liquidity & Funding
Loans / Shares68.32%n/an/a
Liquid Assets / Assets0.00%n/an/a