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League of Mutual Taxi Owners

New York, NY · Charter 1532

NCUA · 2 branches

Q2 2018

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 2018, the quarter ended June 30, 2018, 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

League of Mutual Taxi Owners

New York, NY · Charter 1532

NCUA · 2 branches

Q2 2018

$156.2MAssets
$127.7MLoans
$111.1MShares
$-53995KNet 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 -21.13%, down 1,126 bps year over year; NIM at 0.97%.
  • Asset quality: problem loans at 10.44% of loans (-1,006 bps YoY).
  • Capital: net worth / assets of -34.58%, down 3,589 bps from a year ago.
  • Funding: loans stand at 114.99% of shares as of Q2 2018.

Financial Results

Return on Assets (YTD, annualized)

-21.13%-1,126 bps YoY

Net Interest Margin (YTD, annualized)

0.97%-143 bps YoY

Efficiency Ratio (YTD, annualized)

412%+29,999 bps YoY

Net Worth / Assets

-34.58%-3,589 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2017Q3 2017Q4 2017Q1 2018Q2 2018YoY ΔTrend
Earnings
Return on Assets-9.87%-26.58%-27.58%-12.23%-21.13%-1,126 bps
Return on Equity-753%n/an/an/an/an/a
Net Interest Margin2.40%2.56%2.47%1.64%0.97%-143 bps
Efficiency Ratio111.97%113.60%116.78%243%412%+29,999 bps
Growth
Asset Growth (YoY)-13.44%-20.78%-21.47%-28.00%-28.67%-1,523 bps
Loan Growth (YoY)-18.74%-20.08%-29.15%-33.29%-31.77%-1,303 bps
Share Growth (YoY)1.16%-4.51%-25.55%-41.49%-48.83%-4,999 bps
Asset Quality
Delinquent Loans / Loans20.50%21.58%12.44%13.10%10.44%-1,006 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans12.79%21.09%21.08%16.94%20.56%+777 bps
Capital
Risk-Based Capital1.31%-12.86%-20.21%-25.08%-34.58%-3,589 bps
Net Worth / Assets1.31%-12.86%-20.21%-25.08%-34.58%-3,589 bps
Liquidity & Funding
Loans / Shares86.23%88.72%95.25%107.49%114.99%+2,875 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps