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North East Alliance

Nanuet, NY · Charter 22548

NCUA · 7 branches

Q2 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: Q2 2017, the quarter ended June 30, 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 East Alliance

Nanuet, NY · Charter 22548

NCUA · 7 branches

Q2 2017

$95.4MAssets
$61.6MLoans
$90.6MShares
$4.1MNet 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 -4.51%, down 415 bps year over year; NIM at 3.50%.
  • Asset quality: problem loans at 9.79% of loans (-48 bps YoY).
  • Capital: net worth / assets of 4.32%, down 428 bps from a year ago.
  • Funding: loans stand at 68.02% of shares as of Q2 2017.

Financial Results

Return on Assets (YTD, annualized)

-4.51%-415 bps YoY

Net Interest Margin (YTD, annualized)

3.50%+12 bps YoY

Efficiency Ratio (YTD, annualized)

145.97%+3,819 bps YoY

Net Worth / Assets

4.32%-428 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2016Q3 2016Q4 2016Q1 2017Q2 2017YoY ΔTrend
Earnings
Return on Assets-0.36%-2.05%-3.14%-8.63%-4.51%-415 bps
Return on Equity-4.22%-26.15%-47.80%-192.11%-104.42%-10,020 bps
Net Interest Margin3.38%3.61%3.68%3.61%3.50%+12 bps
Efficiency Ratio107.78%107.00%108.64%189.25%145.97%+3,819 bps
Growth
Asset Growth (YoY)2.76%-3.12%-9.21%-9.33%-9.70%-1,246 bps
Loan Growth (YoY)6.29%2.31%6.41%1.87%0.60%-568 bps
Share Growth (YoY)4.34%-0.84%-7.12%-5.21%-5.80%-1,014 bps
Asset Quality
Delinquent Loans / Loans10.26%10.21%7.45%11.78%9.79%-48 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.74%1.67%2.66%6.21%6.34%+460 bps
Capital
Risk-Based Capital8.60%7.84%6.56%4.49%4.32%-428 bps
Net Worth / Assets8.60%7.84%6.56%4.49%4.32%-428 bps
Liquidity & Funding
Loans / Shares63.69%66.93%70.21%70.56%68.02%+433 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps