PackageTrendsPeer
Letter portraitLegal landscape

Transfiguration Manhattan

New York, NY · Charter 20495

NCUA · 1 branch

Q3 2017

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 2017, the quarter ended September 30, 2017, 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

Transfiguration Manhattan

New York, NY · Charter 20495

NCUA · 1 branch

Q3 2017

$65KAssets
$0KLoans
$59KShares
$5KNet 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 -0.25%, up 122 bps year over year; NIM at 0.01%.
  • Capital: net worth / assets of 8.52%, up 191 bps from a year ago.
  • Funding: loans stand at 0.00% of shares as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

-0.25%+122 bps YoY

Net Interest Margin (YTD, annualized)

0.01%-41 bps YoY

Efficiency Ratio (YTD, annualized)

53100%+5,248,416 bps YoY

Net Worth / Assets

8.52%+191 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets-1.47%-1.98%-3.51%-0.31%-0.25%+122 bps
Return on Equity-22.24%-32.30%-44.69%-3.62%-2.98%+1,925 bps
Net Interest Margin0.42%0.45%0.01%0.00%0.01%-41 bps
Efficiency Ratio616%751%132600%146100%53100%+5,248,416 bps
Growth
Asset Growth (YoY)-7.69%-0.60%-32.31%-32.42%-33.02%-2,533 bps
Loan Growth (YoY)-61.99%-94.40%-100.00%-100.00%-100.00%-3,801 bps
Share Growth (YoY)-6.87%1.49%-32.47%-33.59%-34.39%-2,751 bps
Asset Quality
Delinquent Loans / Loans13.59%100.00%n/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans7.68%56.54%n/an/an/an/a
Capital
Risk-Based Capital6.62%6.12%7.85%8.64%8.52%+191 bps
Net Worth / Assets6.62%6.12%7.85%8.64%8.52%+191 bps
Liquidity & Funding
Loans / Shares2.31%0.33%0.00%0.00%0.00%-231 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps