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Bethex

Bronx, NY · Charter 19907

Q3 2015

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 2015, the quarter ended September 30, 2015, 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

Bethex

Bronx, NY · Charter 19907

Q3 2015

$12.2MAssets
$7.4MLoans
$10.9MShares
$682KNet 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 -9.29%, down 109 bps year over year; NIM at 4.27%.
  • Asset quality: problem loans at 13.53% of loans (-434 bps YoY).
  • Capital: net worth / assets of 5.58%, down 331 bps from a year ago.
  • Funding: loans stand at 67.44% of shares as of Q3 2015.

Financial Results

Return on Assets (YTD, annualized)

-9.29%-109 bps YoY

Net Interest Margin (YTD, annualized)

4.27%+60 bps YoY

Efficiency Ratio (YTD, annualized)

117.12%-3,941 bps YoY

Net Worth / Assets

5.58%-331 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets-8.21%-5.39%-20.89%-12.16%-9.29%-109 bps
Return on Equity-92.32%-47.95%-423%-211%-166.49%-7,417 bps
Net Interest Margin3.67%3.61%3.36%4.03%4.27%+60 bps
Efficiency Ratio156.53%125.31%114.36%101.94%117.12%-3,941 bps
Growth
Asset Growth (YoY)-24.08%-16.47%-16.20%-24.49%-25.97%-189 bps
Loan Growth (YoY)-27.95%-19.45%-26.41%-22.18%-19.47%+848 bps
Share Growth (YoY)-19.96%-12.95%-8.27%-20.40%-22.63%-267 bps
Asset Quality
Delinquent Loans / Loans17.87%17.44%10.82%15.35%13.53%-434 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans8.57%8.82%10.22%10.47%9.45%+87 bps
Capital
Risk-Based Capital8.89%11.24%4.94%5.76%5.58%-331 bps
Net Worth / Assets8.89%11.24%4.94%5.76%5.58%-331 bps
Liquidity & Funding
Loans / Shares64.79%66.12%53.62%64.14%67.44%+265 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps