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Hillcrest Lodge

New Hyde Park, NY · Charter 12151

Q1 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: Q1 2008, the quarter ended March 31, 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 2026-10-11

Hillcrest Lodge

New Hyde Park, NY · Charter 12151

Q1 2008

$102KAssets
$12KLoans
$73KShares
$29KNet 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 0.08%, down 250 bps year over year; NIM at 3.81%.
  • Asset quality: problem loans at 0.00% of loans (-383 bps YoY).
  • Capital: net worth / assets of 28.24%, down 561 bps from a year ago.
  • Funding: loans stand at 16.23% of shares as of Q1 2008.

Financial Results

Return on Assets (YTD, annualized)

0.08%-250 bps YoY

Net Interest Margin (YTD, annualized)

3.81%-166 bps YoY

Efficiency Ratio (YTD, annualized)

97.93%+4,472 bps YoY

Net Worth / Assets

28.24%-561 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2007Q2 2007Q3 2007Q4 2007Q1 2008YoY ΔTrend
Earnings
Return on Assets2.58%1.97%1.61%0.00%0.08%-250 bps
Return on Equity7.61%5.79%4.73%0.00%0.28%-733 bps
Net Interest Margin5.47%5.45%5.26%4.07%3.81%-166 bps
Efficiency Ratio53.22%64.03%69.53%100.00%97.93%+4,472 bps
Growth
Asset Growth (YoY)-21.52%-21.32%-21.34%-23.42%-1.04%+2,048 bps
Loan Growth (YoY)124.58%-12.95%-13.29%-24.65%-41.29%-16,587 bps
Share Growth (YoY)-29.67%-29.47%-29.30%-30.76%7.35%+3,702 bps
Asset Quality
Delinquent Loans / Loans3.83%0.00%23.94%15.11%0.00%-383 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans14.87%15.23%16.45%18.41%4.54%-1,033 bps
Capital
Risk-Based Capital33.85%33.95%33.97%27.91%28.24%-561 bps
Net Worth / Assets33.85%33.95%33.97%27.91%28.24%-561 bps
Liquidity & Funding
Loans / Shares29.67%28.80%26.52%24.12%16.23%-1,344 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps