PackageTrendsPeer
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NBC (N.Y.) Employees

New York, NY · Charter 22351

NCUA · 1 branch

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 2026-10-11

NBC (N.Y.) Employees

New York, NY · Charter 22351

NCUA · 1 branch

Q1 2019

$32.9MAssets
$15.4MLoans
$27.9MShares
$4.5MNet Worth

Executive Summary

  • Earnings: ROA of -6.62%, down 703 bps year over year; NIM at 3.22%.
  • Asset quality: problem loans at 0.02% of loans (-9 bps YoY).
  • Capital: net worth / assets of 13.78%, down 13 bps from a year ago.
  • Funding: loans stand at 55.17% of shares as of Q1 2019.

Return on Assets (YTD, annualized)

-6.62%-703 bps YoY

Net Interest Margin (YTD, annualized)

3.22%+28 bps YoY

Efficiency Ratio (YTD, annualized)

271%+18,457 bps YoY

Net Worth / Assets

13.78%-13 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2017Q3 2017Q4 2017Q1 2018Q2 2018Q3 2018Q4 2018Q1 2019YoY ΔTrend
Earnings
Return on Assets0.69%0.71%0.74%0.41%0.56%0.68%0.69%-6.62%-703 bps
Return on Equity5.13%5.08%5.17%2.96%3.83%4.52%4.38%-48.04%-5,100 bps
Net Interest Margin2.99%3.06%3.10%2.95%3.08%3.20%3.30%3.22%+28 bps
Efficiency Ratio78.86%78.85%78.17%86.05%82.11%78.05%77.72%271%+18,457 bps
Growth
Asset Growth (YoY)2.65%-0.01%-1.83%-4.95%-3.86%-2.59%-4.73%-6.14%-120 bps
Loan Growth (YoY)0.36%4.44%4.14%4.57%8.51%5.34%2.90%-3.65%-822 bps
Share Growth (YoY)2.15%-0.91%-2.90%-6.33%-5.17%-3.78%-6.27%-7.18%-84 bps
Asset Quality
Delinquent Loans / Loans0.14%0.14%0.04%0.10%0.70%0.44%0.23%0.02%-9 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.53%0.45%0.39%0.27%0.28%0.28%0.27%0.33%+6 bps
Capital
Risk-Based Capital13.48%13.97%14.31%13.92%14.69%15.06%15.71%13.78%-13 bps
Net Worth / Assets13.48%13.97%14.31%13.92%14.69%15.06%15.71%13.78%-13 bps
Liquidity & Funding
Loans / Shares49.77%52.64%54.20%53.15%56.95%57.63%59.50%55.17%+202 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps