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North Shore Health System

Westburry, NY · Charter 20941

NCUA · 3 branches

Q1 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: Q1 2017, the quarter ended March 31, 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

North Shore Health System

Westburry, NY · Charter 20941

NCUA · 3 branches

Q1 2017

$118.2MAssets
$68.9MLoans
$103.6MShares
$13.2MNet 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 0.45%, up 62 bps year over year; NIM at 3.05%.
  • Asset quality: problem loans at 6.63% of loans (+251 bps YoY).
  • Capital: net worth / assets of 11.13%, down 159 bps from a year ago.
  • Funding: loans stand at 66.53% of shares as of Q1 2017.

Financial Results

Return on Assets (YTD, annualized)

0.45%+62 bps YoY

Net Interest Margin (YTD, annualized)

3.05%-12 bps YoY

Efficiency Ratio (YTD, annualized)

85.53%-371 bps YoY

Net Worth / Assets

11.13%-159 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2016Q2 2016Q3 2016Q4 2016Q1 2017YoY ΔTrend
Earnings
Return on Assets-0.17%-0.15%-0.22%-1.82%0.45%+62 bps
Return on Equity-1.33%-1.17%-1.75%-15.99%4.06%+539 bps
Net Interest Margin3.17%3.05%3.12%3.19%3.05%-12 bps
Efficiency Ratio89.24%93.20%93.00%94.57%85.53%-371 bps
Growth
Asset Growth (YoY)3.29%3.45%1.38%-0.06%-0.10%-339 bps
Loan Growth (YoY)-1.18%-3.15%-1.00%-1.12%-1.05%+12 bps
Share Growth (YoY)3.58%3.51%2.30%1.73%1.83%-175 bps
Asset Quality
Delinquent Loans / Loans4.12%4.18%4.02%4.14%6.63%+251 bps
Net Charge-Offs / Loans1.00%n/an/an/an/an/an/a
Allowance / Loans0.77%0.76%0.97%3.56%3.60%+283 bps
Capital
Risk-Based Capital12.73%12.54%12.69%11.36%11.13%-159 bps
Net Worth / Assets12.73%12.54%12.69%11.36%11.13%-159 bps
Liquidity & Funding
Loans / Shares68.47%67.26%69.98%69.86%66.53%-194 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps