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Inter-American

Brooklyn, NY · Charter 16285

NCUA · 1 branch

Q4 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: Q4 2022, the quarter ended December 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

Inter-American

Brooklyn, NY · Charter 16285

NCUA · 1 branch

Q4 2022

$727KAssets
$50KLoans
$654KShares
$60KNet Worth

Executive Summary

  • Earnings: ROA of -3.01%, down 304 bps year over year; NIM at 2.56%.
  • Asset quality: problem loans at 9.22% of loans (-1,353 bps YoY).
  • Capital: net worth / assets of 8.19%, down 202 bps from a year ago.
  • Funding: loans stand at 7.59% of shares as of Q4 2022.

Return on Assets (YTD, annualized)

-3.01%-304 bps YoY

Net Interest Margin (YTD, annualized)

2.56%-3 bps YoY

Efficiency Ratio (YTD, annualized)

218%+14,258 bps YoY

Net Worth / Assets

8.19%-202 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2021Q2 2021Q3 2021Q4 2021Q1 2022Q2 2022Q3 2022Q4 2022YoY ΔTrend
Earnings
Return on Assets1.25%0.83%0.67%0.02%0.25%0.94%0.53%-3.01%-304 bps
Return on Equity12.29%8.06%6.39%0.24%2.35%8.67%4.87%-36.77%-3,701 bps
Net Interest Margin3.06%2.64%2.54%2.60%2.03%2.60%2.28%2.56%-3 bps
Efficiency Ratio59.06%68.75%73.59%74.96%87.95%63.99%76.67%218%+14,258 bps
Growth
Asset Growth (YoY)-4.75%-3.08%-1.65%-2.96%-4.30%-4.59%-5.11%-8.85%-589 bps
Loan Growth (YoY)-0.45%0.26%-22.33%-36.34%-26.26%-34.93%-8.67%-22.42%+1,393 bps
Share Growth (YoY)-4.37%-3.40%-2.35%-3.48%-4.70%-5.35%-6.67%-8.11%-462 bps
Asset Quality
Delinquent Loans / Loans20.49%21.61%15.56%22.75%21.73%9.46%7.97%9.22%-1,353 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.21%10.24%10.49%10.21%10.42%10.79%10.95%8.19%-202 bps
Net Worth / Assets10.21%10.24%10.49%10.21%10.42%10.79%10.95%8.19%-202 bps
Liquidity & Funding
Loans / Shares12.31%11.61%9.98%8.99%9.52%7.98%9.77%7.59%-140 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps