PackageTrendsPeer
Letter portraitLegal landscape

Tamco

Niagara Falls, NY · Charter 7890

Q1 2007

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 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.

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

Tamco

Niagara Falls, NY · Charter 7890

Q1 2007

$815KAssets
$514KLoans
$701KShares
$109KNet 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 0.10%, down 30 bps year over year; NIM at 4.47%.
  • Asset quality: problem loans at 0.00% of loans (-35 bps YoY).
  • Capital: net worth / assets of 13.35%, up 47 bps from a year ago.
  • Funding: loans stand at 73.37% of shares as of Q1 2007.

Financial Results

Return on Assets (YTD, annualized)

0.10%-30 bps YoY

Net Interest Margin (YTD, annualized)

4.47%+110 bps YoY

Efficiency Ratio (YTD, annualized)

97.89%+938 bps YoY

Net Worth / Assets

13.35%+47 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2006Q2 2006Q3 2006Q4 2006Q1 2007YoY ΔTrend
Earnings
Return on Assets0.39%0.55%0.61%-5.41%0.10%-30 bps
Return on Equity3.06%4.15%4.14%-48.70%0.72%-234 bps
Net Interest Margin3.37%3.58%4.03%4.49%4.47%+110 bps
Efficiency Ratio88.51%84.94%85.00%84.06%97.89%+938 bps
Growth
Asset Growth (YoY)-9.31%-10.63%-16.18%-25.60%-35.50%-2,618 bps
Loan Growth (YoY)-10.70%-14.16%-8.73%-8.92%-20.03%-933 bps
Share Growth (YoY)-9.60%-10.96%-19.17%-24.76%-35.83%-2,623 bps
Asset Quality
Delinquent Loans / Loans0.35%1.05%0.43%2.93%0.00%-35 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.02%3.24%3.29%13.68%15.26%+1,224 bps
Capital
Risk-Based Capital12.88%13.19%14.83%11.10%13.35%+47 bps
Net Worth / Assets12.88%13.19%14.83%11.10%13.35%+47 bps
Liquidity & Funding
Loans / Shares58.88%57.99%66.15%68.93%73.37%+1,450 bps
Liquid Assets / Assets49.49%0.00%0.00%0.00%0.00%-4,949 bps