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Irish Air Lines

Melvillle, NY · Charter 14697

Q4 2012

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: Q4 2012, the quarter ended December 31, 2012, 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

Irish Air Lines

Melvillle, NY · Charter 14697

Q4 2012

$491KAssets
$12KLoans
$189KShares
$302KNet 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 -2.59%, up 173 bps year over year; NIM at 0.78%.
  • Asset quality: problem loans at 26.80% of loans (+2,680 bps YoY).
  • Capital: net worth / assets of 61.54%, down 616 bps from a year ago.
  • Funding: loans stand at 6.55% of shares as of Q4 2012.

Financial Results

Return on Assets (YTD, annualized)

-2.59%+173 bps YoY

Net Interest Margin (YTD, annualized)

0.78%+12 bps YoY

Efficiency Ratio (YTD, annualized)

433%-32,076 bps YoY

Net Worth / Assets

61.54%-616 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2011Q1 2012Q2 2012Q3 2012Q4 2012YoY ΔTrend
Earnings
Return on Assets-4.32%-3.25%-2.81%-2.38%-2.59%+173 bps
Return on Equity-6.38%-5.01%-4.34%-3.73%-4.21%+217 bps
Net Interest Margin0.65%0.83%0.98%1.03%0.78%+12 bps
Efficiency Ratio754%493%387%330%433%-32,076 bps
Growth
Asset Growth (YoY)-7.61%-0.44%-0.48%1.92%5.57%+1,318 bps
Loan Growth (YoY)-41.97%-36.14%-32.19%-37.38%-45.85%-388 bps
Share Growth (YoY)-8.03%10.49%8.31%13.96%25.94%+3,397 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%26.18%0.00%26.80%+2,680 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans10.82%11.80%13.80%16.45%19.99%+916 bps
Capital
Risk-Based Capital67.70%64.82%64.62%63.77%61.54%-616 bps
Net Worth / Assets67.70%64.82%64.62%63.77%61.54%-616 bps
Liquidity & Funding
Loans / Shares15.24%12.43%10.65%8.66%6.55%-869 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps