PackageTrendsPeer
Letter portraitLegal landscape

St. Andrew Kim

Orange, NJ · Charter 24115

NCUA · 1 branch

Q1 2022

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 2022, the quarter ended March 31, 2022, 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

St. Andrew Kim

Orange, NJ · Charter 24115

NCUA · 1 branch

Q1 2022

$1KAssets
$0KLoans
$0KShares
$1KNet 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 -5684.13%, down 567,847 bps year over year; NIM at 2.66%.
  • Capital: net worth / assets of 100.00%, up 7,588 bps from a year ago.

Financial Results

Return on Assets (YTD, annualized)

-5684%-567,847 bps YoY

Net Interest Margin (YTD, annualized)

2.66%+204 bps YoY

Efficiency Ratio (YTD, annualized)

214044%+21,308,899 bps YoY

Net Worth / Assets

100.00%+7,588 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2021Q2 2021Q3 2021Q4 2021Q1 2022YoY ΔTrend
Earnings
Return on Assets-5.67%-5.69%-12.65%-55.10%-5684%-567,847 bps
Return on Equity-23.50%-24.19%-75.97%-919%-5684%-566,064 bps
Net Interest Margin0.62%0.51%0.47%-14.00%2.66%+204 bps
Efficiency Ratio955%1017%2331%n/a214044%+21,308,899 bps
Growth
Asset Growth (YoY)-21.17%-20.07%-18.54%-63.76%-99.83%-7,866 bps
Loan Growth (YoY)-72.34%-77.86%-92.42%-100.00%-100.00%-2,766 bps
Share Growth (YoY)-22.45%-20.69%-11.96%-55.94%-100.00%-7,755 bps
Asset Quality
Delinquent Loans / Loans16.61%24.19%0.00%n/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans61.39%98.89%324%n/an/an/a
Capital
Risk-Based Capital24.12%23.54%16.65%6.00%100.00%+7,588 bps
Net Worth / Assets24.12%23.54%16.65%6.00%100.00%+7,588 bps
Liquidity & Funding
Loans / Shares8.48%4.75%1.07%0.00%n/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps