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N.Y. Methodist

White Plains, NY · Charter 17313

Q1 2006

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: Q1 2006, the quarter ended March 31, 2006, 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

N.Y. Methodist

White Plains, NY · Charter 17313

Q1 2006

$525KAssets
$361KLoans
$454KShares
$71KNet 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 -1.48%, down 200 bps year over year; NIM at 4.69%.
  • Asset quality: problem loans at 12.07% of loans (+879 bps YoY).
  • Capital: net worth / assets of 13.45%, up 250 bps from a year ago.
  • Funding: loans stand at 79.60% of shares as of Q1 2006.

Financial Results

Return on Assets (YTD, annualized)

-1.48%-200 bps YoY

Net Interest Margin (YTD, annualized)

4.69%-62 bps YoY

Efficiency Ratio (YTD, annualized)

138.08%+4,302 bps YoY

Net Worth / Assets

13.45%+250 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2005Q2 2005Q3 2005Q4 2005Q1 2006YoY ΔTrend
Earnings
Return on Assets0.52%-0.24%0.40%0.28%-1.48%-200 bps
Return on Equity4.72%-2.23%3.28%2.06%-11.00%-1,571 bps
Net Interest Margin5.31%5.62%5.66%6.03%4.69%-62 bps
Efficiency Ratio95.07%96.57%92.04%96.22%138.08%+4,302 bps
Growth
Asset Growth (YoY)-6.42%-7.28%-12.02%-14.21%-20.02%-1,360 bps
Loan Growth (YoY)5.04%-10.69%-21.13%-20.85%-24.02%-2,906 bps
Share Growth (YoY)-6.06%-6.57%-8.92%-16.36%-20.02%-1,396 bps
Asset Quality
Delinquent Loans / Loans3.28%2.90%14.04%16.80%12.07%+879 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.63%0.70%0.75%0.65%0.68%+5 bps
Capital
Risk-Based Capital10.95%10.87%12.07%13.37%13.45%+250 bps
Net Worth / Assets10.95%10.87%12.07%13.37%13.45%+250 bps
Liquidity & Funding
Loans / Shares83.79%75.27%75.78%81.20%79.60%-419 bps
Liquid Assets / Assets9.58%14.50%30.20%25.92%27.55%+1,797 bps