PackageTrendsPeer
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Electchester

Flushing, NY · Charter 15860

NCUA · 1 branch

Q3 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: Q3 2019, the quarter ended September 30, 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

Electchester

Flushing, NY · Charter 15860

NCUA · 1 branch

Q3 2019

$400KAssets
$247KLoans
$288KShares
$104KNet 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 -2.68%, down 19 bps year over year; NIM at 4.81%.
  • Asset quality: problem loans at 4.29% of loans (+184 bps YoY).
  • Capital: net worth / assets of 25.89%, down 109 bps from a year ago.
  • Funding: loans stand at 85.74% of shares as of Q3 2019.

Financial Results

Return on Assets (YTD, annualized)

-2.68%-19 bps YoY

Net Interest Margin (YTD, annualized)

4.81%+15 bps YoY

Efficiency Ratio (YTD, annualized)

153.49%+250 bps YoY

Net Worth / Assets

25.89%-109 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2018Q4 2018Q1 2019Q2 2019Q3 2019YoY ΔTrend
Earnings
Return on Assets-2.49%-2.92%-2.73%-2.70%-2.68%-19 bps
Return on Equity-9.22%-11.17%-10.74%-10.53%-10.33%-111 bps
Net Interest Margin4.66%4.79%5.71%5.20%4.81%+15 bps
Efficiency Ratio150.98%158.61%146.37%150.44%153.49%+250 bps
Growth
Asset Growth (YoY)14.50%11.12%8.62%4.08%-6.98%-2,149 bps
Loan Growth (YoY)11.53%9.23%10.29%12.49%4.44%-709 bps
Share Growth (YoY)23.21%20.29%15.78%9.24%-6.54%-2,975 bps
Asset Quality
Delinquent Loans / Loans2.45%5.48%16.62%25.78%4.29%+184 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans11.02%11.40%14.89%15.47%13.34%+232 bps
Capital
Risk-Based Capital26.98%26.17%25.41%25.68%25.89%-109 bps
Net Worth / Assets26.98%26.17%25.41%25.68%25.89%-109 bps
Liquidity & Funding
Loans / Shares76.73%75.86%71.30%71.90%85.74%+902 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps