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Beulah

Brooklyn, NY · Charter 24790

NCUA · 2 branches

Q2 2023

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 2023, the quarter ended June 30, 2023, 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

Beulah

Brooklyn, NY · Charter 24790

NCUA · 2 branches

Q2 2023

$54KAssets
$0KLoans
$43KShares
$10KNet Worth

Executive Summary

  • Earnings: ROA of 0.00%, up 212 bps year over year; NIM at 0.00%.
  • Capital: net worth / assets of 19.29%, up 870 bps from a year ago.
  • Funding: loans stand at 0.00% of shares as of Q2 2023.

Return on Assets (YTD, annualized)

0.00%+212 bps YoY

Net Interest Margin (YTD, annualized)

0.00%-4 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

19.29%+870 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2021Q4 2021Q1 2022Q2 2022Q3 2022Q4 2022Q1 2023Q2 2023YoY ΔTrend
Earnings
Return on Assets-0.10%0.07%-1.99%-2.12%-2.88%0.00%0.00%0.00%+212 bps
Return on Equity-1.23%0.82%-19.62%-19.99%-25.89%0.00%n/a0.00%+1,999 bps
Net Interest Margin0.10%0.09%0.04%0.04%0.05%0.00%0.00%0.00%-4 bps
Efficiency Ratio107.29%114.42%5275%2146%903%n/an/an/an/a
Growth
Asset Growth (YoY)-9.81%-9.93%-28.91%-30.84%-36.30%-47.93%-57.69%-52.88%-2,204 bps
Loan Growth (YoY)-92.06%-100.00%-100.00%-100.00%-100.00%n/an/an/an/a
Share Growth (YoY)-10.33%-10.90%-31.21%-33.05%-38.60%-49.85%-52.35%-56.90%-2,385 bps
Asset Quality
Delinquent Loans / Loans100.00%n/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans103.09%n/an/an/an/an/an/an/an/a
Capital
Risk-Based Capital8.31%8.41%10.14%10.59%11.11%12.60%0.00%19.29%+870 bps
Net Worth / Assets8.31%8.41%10.14%10.59%11.11%12.60%0.00%19.29%+870 bps
Liquidity & Funding
Loans / Shares0.27%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps