PackageTrendsPeer
Letter portraitLegal landscape

Niagara Falls Policemens

Niagara Falls, NY · Charter 777

Q1 2013

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 2013, the quarter ended March 31, 2013, 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 Policemens

Niagara Falls, NY · Charter 777

Q1 2013

$790KAssets
$349KLoans
$700KShares
$89KNet Worth

Executive Summary

  • Earnings: ROA of 1.37%, up 284 bps year over year; NIM at 3.40%.
  • Asset quality: problem loans at 0.00% of loans (-637 bps YoY).
  • Capital: net worth / assets of 11.22%, down 672 bps from a year ago.
  • Funding: loans stand at 49.82% of shares as of Q1 2013.

Return on Assets (YTD, annualized)

1.37%+284 bps YoY

Net Interest Margin (YTD, annualized)

3.40%-43 bps YoY

Efficiency Ratio (YTD, annualized)

112.40%-2,503 bps YoY

Net Worth / Assets

11.22%-672 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012Q3 2012Q4 2012Q1 2013YoY ΔTrend
Earnings
Return on Assets-0.81%-1.11%-0.84%-1.46%-2.08%-1.74%-9.28%1.37%+284 bps
Return on Equity-4.62%-6.09%-4.73%-8.16%-12.14%-10.08%-82.61%12.22%+2,039 bps
Net Interest Margin4.16%4.33%4.21%3.83%3.83%3.88%4.30%3.40%-43 bps
Efficiency Ratio119.24%125.34%119.75%137.44%153.62%144.41%143.39%112.40%-2,503 bps
Growth
Asset Growth (YoY)1.00%-4.19%5.50%-1.26%-6.24%-2.37%-13.39%-7.81%-655 bps
Loan Growth (YoY)-34.67%-30.29%-24.24%-18.80%0.62%8.81%2.55%-1.41%+1,738 bps
Share Growth (YoY)2.43%-3.38%8.40%-0.01%-5.33%-0.78%-5.99%-0.25%-24 bps
Asset Quality
Delinquent Loans / Loans7.09%6.95%8.97%6.37%5.47%6.70%0.00%0.00%-637 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.30%1.27%1.39%1.45%1.29%1.17%8.20%7.79%+634 bps
Capital
Risk-Based Capital17.48%18.19%17.76%17.94%17.17%17.29%11.23%11.22%-672 bps
Net Worth / Assets17.48%18.19%17.76%17.94%17.17%17.29%11.23%11.22%-672 bps
Liquidity & Funding
Loans / Shares52.55%57.63%50.89%50.41%55.85%63.20%55.51%49.82%-59 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps