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Esm-Ns

East Syracuse, NY · Charter 13037

NCUA · 2 branches

Q1 2022

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 2022, the quarter ended March 31, 2022, 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

Esm-Ns

East Syracuse, NY · Charter 13037

NCUA · 2 branches

Q1 2022

$137.8MAssets
$37.6MLoans
$123.1MShares
$14.3MNet Worth

Executive Summary

  • Earnings: ROA of 0.78%, down 25 bps year over year; NIM at 1.77%.
  • Asset quality: problem loans at 0.17% of loans (+17 bps YoY).
  • Capital: net worth / assets of 10.38%, up 60 bps from a year ago.
  • Funding: loans stand at 30.52% of shares as of Q1 2022.

Return on Assets (YTD, annualized)

0.78%-25 bps YoY

Net Interest Margin (YTD, annualized)

1.77%-43 bps YoY

Efficiency Ratio (YTD, annualized)

69.25%+579 bps YoY

Net Worth / Assets

10.38%+60 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2020Q3 2020Q4 2020Q1 2021Q2 2021Q3 2021Q4 2021Q1 2022YoY ΔTrend
Earnings
Return on Assets1.18%0.51%0.62%1.03%1.24%1.44%1.22%0.78%-25 bps
Return on Equity11.43%4.96%6.08%10.51%12.52%13.67%11.66%7.53%-299 bps
Net Interest Margin2.56%2.53%2.47%2.20%2.11%2.19%2.07%1.77%-43 bps
Efficiency Ratio60.74%64.14%63.70%63.46%63.65%59.77%64.95%69.25%+579 bps
Growth
Asset Growth (YoY)10.08%12.73%16.44%20.53%11.75%11.13%10.42%5.84%-1,468 bps
Loan Growth (YoY)-7.87%-4.88%13.31%12.10%9.70%0.47%-16.07%-16.22%-2,832 bps
Share Growth (YoY)11.28%15.06%17.75%22.36%12.31%10.80%9.96%5.14%-1,722 bps
Asset Quality
Delinquent Loans / Loans1.07%0.95%0.03%0.00%0.01%0.04%0.15%0.17%+17 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans5.73%6.63%0.19%0.17%0.20%0.22%0.20%0.24%+6 bps
Capital
Risk-Based Capital10.35%10.23%10.17%9.78%9.92%10.51%10.43%10.38%+60 bps
Net Worth / Assets10.35%10.23%10.17%9.78%9.92%10.51%10.43%10.38%+60 bps
Liquidity & Funding
Loans / Shares37.18%38.65%42.43%38.30%36.31%35.05%32.39%30.52%-778 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps