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Unitehere

New York, NY · Charter 24772

Q1 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: Q1 2013, the quarter ended March 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

Unitehere

New York, NY · Charter 24772

Q1 2013

$970KAssets
$224KLoans
$893KShares
$70KNet 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 -2.24%, up 413 bps year over year; NIM at 0.38%.
  • Asset quality: problem loans at 30.82% of loans (-110 bps YoY).
  • Capital: net worth / assets of 7.22%, down 1,262 bps from a year ago.
  • Funding: loans stand at 25.04% of shares as of Q1 2013.

Financial Results

Return on Assets (YTD, annualized)

-2.24%+413 bps YoY

Net Interest Margin (YTD, annualized)

0.38%-90 bps YoY

Efficiency Ratio (YTD, annualized)

295%-153,695 bps YoY

Net Worth / Assets

7.22%-1,262 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2012Q2 2012Q3 2012Q4 2012Q1 2013YoY ΔTrend
Earnings
Return on Assets-6.37%-10.71%-14.11%-15.16%-2.24%+413 bps
Return on Equity-32.12%-69.77%-111.87%-117.81%-31.00%+112 bps
Net Interest Margin1.28%1.16%1.30%1.42%0.38%-90 bps
Efficiency Ratio1832%1233%890%891%295%-153,695 bps
Growth
Asset Growth (YoY)-32.01%-14.09%-18.06%-26.46%-27.56%+445 bps
Loan Growth (YoY)-61.08%-66.82%-64.11%-54.32%-44.69%+1,639 bps
Share Growth (YoY)-33.98%-5.42%-5.39%-19.04%-14.98%+1,899 bps
Asset Quality
Delinquent Loans / Loans31.92%34.37%28.60%30.13%30.82%-110 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans9.40%8.69%19.62%24.40%29.08%+1,968 bps
Capital
Risk-Based Capital19.85%15.35%12.61%12.87%7.22%-1,262 bps
Net Worth / Assets19.85%15.35%12.61%12.87%7.22%-1,262 bps
Liquidity & Funding
Loans / Shares38.50%29.38%26.49%28.36%25.04%-1,345 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps