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R T A Brooklyn

Cleveland, OH · Charter 3240

NCUA · 1 branch

Q1 2018

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 2018, the quarter ended March 31, 2018, 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

R T A Brooklyn

Cleveland, OH · Charter 3240

NCUA · 1 branch

Q1 2018

$7.0MAssets
$2.7MLoans
$6.9MShares
$67KNet 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 -23.18%, down 2,271 bps year over year; NIM at 3.13%.
  • Asset quality: problem loans at 0.14% of loans (-620 bps YoY).
  • Capital: net worth / assets of 0.96%, down 523 bps from a year ago.
  • Funding: loans stand at 39.23% of shares as of Q1 2018.

Financial Results

Return on Assets (YTD, annualized)

-23.18%-2,271 bps YoY

Net Interest Margin (YTD, annualized)

3.13%+35 bps YoY

Efficiency Ratio (YTD, annualized)

119.18%+2,754 bps YoY

Net Worth / Assets

0.96%-523 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2017Q2 2017Q3 2017Q4 2017Q1 2018YoY ΔTrend
Earnings
Return on Assets-0.47%-0.12%-0.01%-0.19%-23.18%-2,271 bps
Return on Equity-7.62%-1.87%-0.11%-2.81%-2417%-240,972 bps
Net Interest Margin2.78%2.96%2.89%3.10%3.13%+35 bps
Efficiency Ratio91.63%93.11%93.66%79.00%119.18%+2,754 bps
Growth
Asset Growth (YoY)2.85%4.20%2.98%-1.77%-9.21%-1,205 bps
Loan Growth (YoY)-0.47%-5.88%-10.29%-11.81%-17.51%-1,704 bps
Share Growth (YoY)2.97%4.73%2.33%-1.76%-4.20%-717 bps
Asset Quality
Delinquent Loans / Loans6.34%4.69%6.46%4.96%0.14%-620 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.57%1.90%2.06%2.68%10.45%+787 bps
Capital
Risk-Based Capital6.19%6.23%6.30%6.62%0.96%-523 bps
Net Worth / Assets6.19%6.23%6.30%6.62%0.96%-523 bps
Liquidity & Funding
Loans / Shares45.56%44.74%43.54%45.10%39.23%-633 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps