PackageTrendsPeer
Letter portraitLegal landscape

Captree

Huntington, NY · Charter 21125

Q2 2003

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 2003, the quarter ended June 30, 2003, 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

Captree

Huntington, NY · Charter 21125

Q2 2003

$1.3MAssets
$571KLoans
$1.1MShares
$225KNet 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 -0.73%, up 619 bps year over year; NIM at 4.06%.
  • Asset quality: problem loans at 15.65% of loans (-251 bps YoY).
  • Capital: net worth / assets of 17.62%, up 590 bps from a year ago.
  • Funding: loans stand at 54.35% of shares as of Q2 2003.

Financial Results

Return on Assets (YTD, annualized)

-0.73%+619 bps YoY

Net Interest Margin (YTD, annualized)

4.06%+111 bps YoY

Efficiency Ratio (YTD, annualized)

124.98%+4,208 bps YoY

Net Worth / Assets

17.62%+590 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2002Q3 2002Q4 2002Q1 2003Q2 2003YoY ΔTrend
Earnings
Return on Assets-6.91%-2.23%2.72%0.18%-0.73%+619 bps
Return on Equity-58.99%-17.39%15.92%1.00%-4.11%+5,487 bps
Net Interest Margin2.95%3.26%3.87%3.09%4.06%+111 bps
Efficiency Ratio82.89%81.22%77.97%94.44%124.98%+4,208 bps
Growth
Asset Growth (YoY)-16.48%-11.29%-13.78%-12.80%-8.67%+780 bps
Loan Growth (YoY)-43.26%-36.73%-37.68%-22.97%-15.83%+2,743 bps
Share Growth (YoY)-12.65%-7.78%-14.05%-16.32%-14.87%-221 bps
Asset Quality
Delinquent Loans / Loans18.16%15.15%8.57%11.83%15.65%-251 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans16.37%15.15%7.77%7.89%3.65%-1,271 bps
Capital
Risk-Based Capital11.72%12.81%17.09%17.55%17.62%+590 bps
Net Worth / Assets11.72%12.81%17.09%17.55%17.62%+590 bps
Liquidity & Funding
Loans / Shares54.98%54.96%56.07%56.87%54.35%-62 bps
Liquid Assets / Assets57.37%57.39%55.00%54.56%54.59%-278 bps