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Radio, Television and Communication

New York, NY · Charter 16393

NCUA · 1 branch

Q3 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: Q3 2018, the quarter ended September 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 2026-10-11

Radio, Television and Communication

New York, NY · Charter 16393

NCUA · 1 branch

Q3 2018

$3.0MAssets
$1.8MLoans
$2.8MShares
$243KNet 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 -4.77%, up 432 bps year over year; NIM at 4.23%.
  • Asset quality: problem loans at 0.00% of loans (-567 bps YoY).
  • Capital: net worth / assets of 8.03%, down 265 bps from a year ago.
  • Funding: loans stand at 64.84% of shares as of Q3 2018.

Financial Results

Return on Assets (YTD, annualized)

-4.77%+432 bps YoY

Net Interest Margin (YTD, annualized)

4.23%+2 bps YoY

Efficiency Ratio (YTD, annualized)

182.48%-3,696 bps YoY

Net Worth / Assets

8.03%-265 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2017Q4 2017Q1 2018Q2 2018Q3 2018YoY ΔTrend
Earnings
Return on Assets-9.09%-7.83%-5.55%-4.85%-4.77%+432 bps
Return on Equity-85.18%-74.86%-59.48%-54.61%-59.41%+2,577 bps
Net Interest Margin4.21%4.39%4.08%4.21%4.23%+2 bps
Efficiency Ratio219%205%163.45%175.86%182.48%-3,696 bps
Growth
Asset Growth (YoY)-8.75%-9.61%-10.68%-12.40%-13.71%-496 bps
Loan Growth (YoY)-15.29%-18.32%-10.07%-13.70%-12.62%+268 bps
Share Growth (YoY)-1.24%-2.77%-4.09%-9.05%-10.03%-878 bps
Asset Quality
Delinquent Loans / Loans5.67%1.88%2.21%2.20%0.00%-567 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans7.21%3.38%4.94%4.95%4.38%-284 bps
Capital
Risk-Based Capital10.68%10.47%9.32%8.87%8.03%-265 bps
Net Worth / Assets10.68%10.47%9.32%8.87%8.03%-265 bps
Liquidity & Funding
Loans / Shares66.76%66.89%62.05%65.22%64.84%-192 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps