PackageTrendsPeer
Letter portraitLegal landscape

J M P Employees

Jamestown, NY · Charter 8163

Q2 2008

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: Q2 2008, the quarter ended June 30, 2008, 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 2026-10-10

J M P Employees

Jamestown, NY · Charter 8163

Q2 2008

$112KAssets
$55KLoans
$98KShares
$14KNet 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 -1.65%, down 261 bps year over year; NIM at 6.78%.
  • Asset quality: problem loans at 1.95% of loans (-1,519 bps YoY).
  • Capital: net worth / assets of 12.13%, up 257 bps from a year ago.
  • Funding: loans stand at 55.72% of shares as of Q2 2008.

Financial Results

Return on Assets (YTD, annualized)

-1.65%-261 bps YoY

Net Interest Margin (YTD, annualized)

6.78%+4 bps YoY

Efficiency Ratio (YTD, annualized)

123.84%+3,794 bps YoY

Net Worth / Assets

12.13%+257 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2007Q3 2007Q4 2007Q1 2008Q2 2008YoY ΔTrend
Earnings
Return on Assets0.97%1.26%-5.56%1.67%-1.65%-261 bps
Return on Equity10.12%12.89%-86.78%12.44%-13.58%-2,370 bps
Net Interest Margin6.74%6.54%8.67%7.37%6.78%+4 bps
Efficiency Ratio85.90%81.10%83.33%77.98%123.84%+3,794 bps
Growth
Asset Growth (YoY)-3.45%7.51%-18.19%-14.27%-16.20%-1,275 bps
Loan Growth (YoY)1.03%18.81%-17.57%-27.80%-43.06%-4,409 bps
Share Growth (YoY)0.69%7.36%-14.72%-17.68%-18.43%-1,912 bps
Asset Quality
Delinquent Loans / Loans17.14%10.96%2.65%9.03%1.95%-1,519 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.97%3.47%22.78%13.32%16.34%+1,337 bps
Capital
Risk-Based Capital9.56%9.81%6.40%13.39%12.13%+257 bps
Net Worth / Assets9.56%9.81%6.40%13.39%12.13%+257 bps
Liquidity & Funding
Loans / Shares79.82%77.31%83.54%69.59%55.72%-2,410 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps