PackageTrendsPeer
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Projector

Melville, NY · Charter 20798

NCUA · 1 branch

Q1 2018

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 2018, the quarter ended March 31, 2018, 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

Projector

Melville, NY · Charter 20798

NCUA · 1 branch

Q1 2018

$641KAssets
$110KLoans
$551KShares
$90KNet Worth

Executive Summary

  • Earnings: ROA of -0.59%, down 1 bps year over year; NIM at 1.77%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 14.01%, up 308 bps from a year ago.
  • Funding: loans stand at 20.03% of shares as of Q1 2018.

Return on Assets (YTD, annualized)

-0.59%-1 bps YoY

Net Interest Margin (YTD, annualized)

1.77%+127 bps YoY

Efficiency Ratio (YTD, annualized)

129.18%-4,136 bps YoY

Net Worth / Assets

14.01%+308 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2016Q3 2016Q4 2016Q1 2017Q2 2017Q3 2017Q4 2017Q1 2018YoY ΔTrend
Earnings
Return on Assets-0.05%0.00%0.02%-0.58%0.13%0.02%0.07%-0.59%-1 bps
Return on Equity-0.45%-0.03%0.17%-5.26%1.20%0.16%0.51%-4.18%+108 bps
Net Interest Margin0.75%0.70%0.72%0.50%0.48%0.52%0.91%1.77%+127 bps
Efficiency Ratio104.36%100.33%98.40%170.54%83.63%98.02%94.72%129.18%-4,136 bps
Growth
Asset Growth (YoY)-12.81%-17.33%-19.68%-9.58%-2.77%4.80%-12.17%-21.39%-1,181 bps
Loan Growth (YoY)-19.62%-6.90%-30.03%-30.88%-19.79%0.38%2.62%2.59%+3,348 bps
Share Growth (YoY)-14.12%-19.10%-21.54%-10.59%-3.18%5.40%-13.80%-24.07%-1,348 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans7.34%7.19%8.19%9.29%9.16%7.16%7.98%9.06%-24 bps
Capital
Risk-Based Capital10.40%10.97%11.70%10.93%10.81%10.49%13.39%14.01%+308 bps
Net Worth / Assets10.40%10.97%11.70%10.93%10.81%10.49%13.39%14.01%+308 bps
Liquidity & Funding
Loans / Shares17.59%19.03%17.93%14.83%14.58%18.13%21.34%20.03%+521 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps