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Bard Employees

Murray Hill, NJ · Charter 22267

NCUA · 3 branches

Q1 2019

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 2019, the quarter ended March 31, 2019, 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 2026-10-10

Bard Employees

Murray Hill, NJ · Charter 22267

NCUA · 3 branches

Q1 2019

$10.8MAssets
$5.0MLoans
$9.5MShares
$1.3MNet 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 -3.33%, down 142 bps year over year; NIM at 2.98%.
  • Asset quality: problem loans at 0.32% of loans (+16 bps YoY).
  • Capital: net worth / assets of 11.60%, up 426 bps from a year ago.
  • Funding: loans stand at 52.13% of shares as of Q1 2019.

Financial Results

Return on Assets (YTD, annualized)

-3.33%-142 bps YoY

Net Interest Margin (YTD, annualized)

2.98%+34 bps YoY

Efficiency Ratio (YTD, annualized)

146.77%+5,654 bps YoY

Net Worth / Assets

11.60%+426 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2018Q2 2018Q3 2018Q4 2018Q1 2019YoY ΔTrend
Earnings
Return on Assets-1.92%-0.96%-0.35%-0.43%-3.33%-142 bps
Return on Equity-26.09%-12.06%-4.00%-4.38%-28.71%-262 bps
Net Interest Margin2.64%2.78%3.12%3.46%2.98%+34 bps
Efficiency Ratio90.23%92.82%86.85%87.77%146.77%+5,654 bps
Growth
Asset Growth (YoY)2.47%-5.32%-10.58%-25.56%-39.75%-4,221 bps
Loan Growth (YoY)0.52%-4.95%-8.54%-4.91%-18.16%-1,868 bps
Share Growth (YoY)5.39%-3.31%-10.52%-27.30%-42.47%-4,786 bps
Asset Quality
Delinquent Loans / Loans0.16%0.29%0.79%0.55%0.32%+16 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.32%3.50%3.55%3.85%4.66%+134 bps
Capital
Risk-Based Capital7.34%7.93%8.82%9.85%11.60%+426 bps
Net Worth / Assets7.34%7.93%8.82%9.85%11.60%+426 bps
Liquidity & Funding
Loans / Shares36.65%37.15%39.11%43.45%52.13%+1,548 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps