PackageTrendsPeer
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St. Vincents Employees

New York, NY · Charter 17417

Q2 2011

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: Q2 2011, the quarter ended June 30, 2011, 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

St. Vincents Employees

New York, NY · Charter 17417

Q2 2011

$8.4MAssets
$1.2MLoans
$5.3MShares
$2.8MNet 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 -2.31%, down 135 bps year over year; NIM at 2.11%.
  • Asset quality: problem loans at 0.50% of loans (-11 bps YoY).
  • Capital: net worth / assets of 32.94%, up 448 bps from a year ago.
  • Funding: loans stand at 22.94% of shares as of Q2 2011.

Financial Results

Return on Assets (YTD, annualized)

-2.31%-135 bps YoY

Net Interest Margin (YTD, annualized)

2.11%-152 bps YoY

Efficiency Ratio (YTD, annualized)

176.11%+7,307 bps YoY

Net Worth / Assets

32.94%+448 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2009Q1 2010Q3 2010Q1 2011Q2 2011YoY ΔTrend
Earnings
Return on Assets-0.95%-1.99%-11.21%-3.18%-2.31%-135 bps
Return on Equity-3.35%-6.59%-35.24%-10.05%-7.00%-366 bps
Net Interest Margin3.63%3.12%3.39%2.36%2.11%-152 bps
Efficiency Ratio103.05%91.58%265%186.27%176.11%+7,307 bps
Growth
Asset Growth (YoY)-2.47%-9.35%-33.48%-36.38%-37.43%-3,495 bps
Loan Growth (YoY)-10.91%-23.28%-41.49%-49.66%-52.95%-4,204 bps
Share Growth (YoY)-2.12%-11.43%-40.72%-44.35%-45.20%-4,308 bps
Asset Quality
Delinquent Loans / Loans0.62%0.59%0.01%0.27%0.50%-11 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.98%4.80%11.52%15.59%14.01%+1,304 bps
Capital
Risk-Based Capital28.46%30.12%31.79%31.64%32.94%+448 bps
Net Worth / Assets28.46%30.12%31.79%31.64%32.94%+448 bps
Liquidity & Funding
Loans / Shares26.72%23.84%24.85%23.89%22.94%-377 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps