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N.Y. B & FMC

Jersey City, NJ · Charter 21702

NCUA · 1 branch

Q4 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: Q4 2017, the quarter ended December 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

N.Y. B & FMC

Jersey City, NJ · Charter 21702

NCUA · 1 branch

Q4 2017

$5.6MAssets
$1.9MLoans
$4.9MShares
$701KNet 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 -1.63%, down 36 bps year over year; NIM at 3.74%.
  • Asset quality: problem loans at 4.75% of loans (+57 bps YoY).
  • Capital: net worth / assets of 12.53%, down 69 bps from a year ago.
  • Funding: loans stand at 38.19% of shares as of Q4 2017.

Financial Results

Return on Assets (YTD, annualized)

-1.63%-36 bps YoY

Net Interest Margin (YTD, annualized)

3.74%+30 bps YoY

Efficiency Ratio (YTD, annualized)

124.82%+922 bps YoY

Net Worth / Assets

12.53%-69 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets-1.28%-0.36%-1.81%-1.66%-1.63%-36 bps
Return on Equity-9.65%-2.76%-14.54%-12.91%-13.02%-337 bps
Net Interest Margin3.44%3.99%3.71%3.77%3.74%+30 bps
Efficiency Ratio115.59%102.14%116.16%120.30%124.82%+922 bps
Growth
Asset Growth (YoY)-5.71%-3.51%-4.58%-4.87%-6.67%-96 bps
Loan Growth (YoY)-3.90%-7.12%-6.13%-10.77%-8.06%-417 bps
Share Growth (YoY)-5.20%-2.75%-3.33%-3.36%-5.87%-67 bps
Asset Quality
Delinquent Loans / Loans4.18%5.21%4.18%3.75%4.75%+57 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.99%4.23%3.88%4.20%3.29%+31 bps
Capital
Risk-Based Capital13.22%13.08%12.48%12.83%12.53%-69 bps
Net Worth / Assets13.22%13.08%12.48%12.83%12.53%-69 bps
Liquidity & Funding
Loans / Shares39.10%35.63%33.41%33.73%38.19%-91 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps