PackageTrendsPeer
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New York State Employees

New York, NY · Charter 165

NCUA · 1 branch

Q3 2017

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 2017, the quarter ended September 30, 2017, 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

New York State Employees

New York, NY · Charter 165

NCUA · 1 branch

Q3 2017

$1.9MAssets
$1.2MLoans
$1.9MShares
$37KNet 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 -9.43%, down 521 bps year over year; NIM at 9.80%.
  • Asset quality: problem loans at 0.00% of loans (-341 bps YoY).
  • Capital: net worth / assets of 1.95%, down 831 bps from a year ago.
  • Funding: loans stand at 66.23% of shares as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

-9.43%-521 bps YoY

Net Interest Margin (YTD, annualized)

9.80%+12 bps YoY

Efficiency Ratio (YTD, annualized)

175.89%+6,042 bps YoY

Net Worth / Assets

1.95%-831 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets-4.23%-6.13%-10.99%-9.50%-9.43%-521 bps
Return on Equity-41.22%-68.54%-173.72%-242%-484%-44,230 bps
Net Interest Margin9.68%9.90%9.18%9.56%9.80%+12 bps
Efficiency Ratio115.47%139.38%173.40%171.97%175.89%+6,042 bps
Growth
Asset Growth (YoY)-1.42%-7.89%-17.85%-15.93%-12.13%-1,071 bps
Loan Growth (YoY)-2.72%-6.96%-7.70%-8.41%-10.44%-772 bps
Share Growth (YoY)0.51%-3.21%-11.33%-6.36%-2.67%-318 bps
Asset Quality
Delinquent Loans / Loans3.41%4.96%9.35%8.28%0.00%-341 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.89%2.14%3.88%2.25%2.25%+36 bps
Capital
Risk-Based Capital10.26%8.94%6.32%3.92%1.95%-831 bps
Net Worth / Assets10.26%8.94%6.32%3.92%1.95%-831 bps
Liquidity & Funding
Loans / Shares71.98%72.10%67.12%64.95%66.23%-575 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps