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St. Peter's Yonkers

Yonkers, NY · Charter 19208

Q2 2005

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 2005, the quarter ended June 30, 2005, 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. Peter's Yonkers

Yonkers, NY · Charter 19208

Q2 2005

$814KAssets
$26KLoans
$714KShares
$100KNet 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 -1.29%, up 152 bps year over year; NIM at 2.70%.
  • Asset quality: problem loans at 2.62% of loans (+243 bps YoY).
  • Capital: net worth / assets of 12.25%, up 102 bps from a year ago.
  • Funding: loans stand at 3.60% of shares as of Q2 2005.

Financial Results

Return on Assets (YTD, annualized)

-1.29%+152 bps YoY

Net Interest Margin (YTD, annualized)

2.70%+25 bps YoY

Efficiency Ratio (YTD, annualized)

108.92%-886 bps YoY

Net Worth / Assets

12.25%+102 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2004Q3 2004Q4 2004Q1 2005Q2 2005YoY ΔTrend
Earnings
Return on Assets-2.80%-0.35%-2.13%-0.20%-1.29%+152 bps
Return on Equity-24.98%-3.09%-20.11%-1.76%-10.51%+1,447 bps
Net Interest Margin2.46%2.48%2.61%2.86%2.70%+25 bps
Efficiency Ratio117.78%108.11%102.90%99.28%108.92%-886 bps
Growth
Asset Growth (YoY)2.34%2.28%2.08%-3.96%-11.05%-1,339 bps
Loan Growth (YoY)-31.68%-29.90%-25.46%-63.66%-73.75%-4,207 bps
Share Growth (YoY)4.35%4.18%5.03%-3.30%-11.97%-1,632 bps
Asset Quality
Delinquent Loans / Loans0.20%1.28%0.00%1.11%2.62%+243 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans6.52%5.51%10.17%6.61%19.51%+1,299 bps
Capital
Risk-Based Capital11.22%11.24%10.61%11.33%12.25%+102 bps
Net Worth / Assets11.22%11.24%10.61%11.33%12.25%+102 bps
Liquidity & Funding
Loans / Shares12.08%12.70%12.44%6.24%3.60%-848 bps
Liquid Assets / Assets88.83%88.25%88.94%93.63%96.08%+725 bps