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Bha Residents Community Development

Binghamton, NY · Charter 24505

Q4 2013

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 2013, the quarter ended December 31, 2013, 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

Bha Residents Community Development

Binghamton, NY · Charter 24505

Q4 2013

$334KAssets
$59KLoans
$308KShares
$13KNet 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 -9.68%, down 1,229 bps year over year; NIM at 2.07%.
  • Asset quality: problem loans at 6.45% of loans (+8 bps YoY).
  • Capital: net worth / assets of 3.83%, down 466 bps from a year ago.
  • Funding: loans stand at 19.26% of shares as of Q4 2013.

Financial Results

Return on Assets (YTD, annualized)

-9.68%-1,229 bps YoY

Net Interest Margin (YTD, annualized)

2.07%+9 bps YoY

Efficiency Ratio (YTD, annualized)

183.79%+10,871 bps YoY

Net Worth / Assets

3.83%-466 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2012Q1 2013Q2 2013Q3 2013Q4 2013YoY ΔTrend
Earnings
Return on Assets2.61%7.56%-5.39%-5.30%-9.68%-1,229 bps
Return on Equity30.74%58.57%-52.41%-55.70%-253%-28,365 bps
Net Interest Margin1.97%2.03%2.08%2.22%2.07%+9 bps
Efficiency Ratio75.08%81.50%153.95%134.07%183.79%+10,871 bps
Growth
Asset Growth (YoY)4.50%2.75%-9.19%-15.26%-17.97%-2,247 bps
Loan Growth (YoY)-2.11%-8.71%-10.00%-16.95%-30.42%-2,830 bps
Share Growth (YoY)1.34%-3.00%-10.26%-13.96%-15.72%-1,706 bps
Asset Quality
Delinquent Loans / Loans6.37%7.41%8.94%5.51%6.45%+8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans11.71%5.82%8.10%10.05%14.49%+278 bps
Capital
Risk-Based Capital8.49%12.91%10.28%9.51%3.83%-466 bps
Net Worth / Assets8.49%12.91%10.28%9.51%3.83%-466 bps
Liquidity & Funding
Loans / Shares23.33%20.11%22.25%22.65%19.26%-407 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps