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Epiphany

Brooklyn, NY · Charter 15129

NCUA · 1 branch

Q4 2019

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 2019, the quarter ended December 31, 2019, 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

Epiphany

Brooklyn, NY · Charter 15129

NCUA · 1 branch

Q4 2019

$90KAssets
$3KLoans
$84KShares
$6KNet 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 -7.56%, down 170 bps year over year; NIM at 2.76%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 6.63%, down 265 bps from a year ago.
  • Funding: loans stand at 3.72% of shares as of Q4 2019.

Financial Results

Return on Assets (YTD, annualized)

-7.56%-170 bps YoY

Net Interest Margin (YTD, annualized)

2.76%+45 bps YoY

Efficiency Ratio (YTD, annualized)

370%+2,729 bps YoY

Net Worth / Assets

6.63%-265 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2018Q1 2019Q2 2019Q3 2019Q4 2019YoY ΔTrend
Earnings
Return on Assets-5.85%0.35%-5.14%-8.51%-7.56%-170 bps
Return on Equity-63.04%3.66%-61.29%-111.74%-113.91%-5,088 bps
Net Interest Margin2.32%1.90%2.54%3.07%2.76%+45 bps
Efficiency Ratio343%82.26%299%374%370%+2,729 bps
Growth
Asset Growth (YoY)-7.52%-10.18%-20.64%-36.98%-36.02%-2,850 bps
Loan Growth (YoY)-25.04%-42.99%-62.01%-82.32%-85.52%-6,047 bps
Share Growth (YoY)-2.58%-6.87%-18.15%-35.09%-34.15%-3,157 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans6.61%9.49%17.65%35.50%45.61%+3,900 bps
Capital
Risk-Based Capital9.29%9.63%8.38%7.62%6.63%-265 bps
Net Worth / Assets9.29%9.63%8.38%7.62%6.63%-265 bps
Liquidity & Funding
Loans / Shares16.89%12.40%7.55%4.76%3.72%-1,317 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps