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New York, NY · Charter 16532

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

Bootstrap

New York, NY · Charter 16532

NCUA · 1 branch

Q3 2018

$0KAssets
$0KLoans
$0KShares
$0KNet 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 -22776.64%, down 2,277,534 bps year over year; NIM at -20992.21%.
  • Capital: net worth / assets of 100.00%, up 7,540 bps from a year ago.

Financial Results

Return on Assets (YTD, annualized)

-22777%-2,277,534 bps YoY

Net Interest Margin (YTD, annualized)

-20992%-2,099,441 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

100.00%+7,540 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2017Q4 2017Q1 2018Q2 2018Q3 2018YoY ΔTrend
Earnings
Return on Assets-1.31%-9.37%-3.74%-10330%-22777%-2,277,534 bps
Return on Equity-5.31%-9.52%-3.84%-10330%-22777%-2,277,134 bps
Net Interest Margin2.20%7.67%2.63%-9705%-20992%-2,099,441 bps
Efficiency Ratio158.76%257%242%n/an/an/a
Growth
Asset Growth (YoY)-72.18%-92.71%-92.62%-99.74%-99.86%-2,768 bps
Loan Growth (YoY)-52.16%-46.80%-43.11%-100.00%-100.00%-4,784 bps
Share Growth (YoY)-77.40%-99.95%-99.95%-100.00%-100.00%-2,260 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%n/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans7.96%8.41%8.92%n/an/an/a
Capital
Risk-Based Capital24.60%98.38%97.28%100.00%100.00%+7,540 bps
Net Worth / Assets24.60%98.38%97.28%100.00%100.00%+7,540 bps
Liquidity & Funding
Loans / Shares13.00%6281%5921%n/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps