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The Urban Street Biscuit WKRS

Buffalo, NY · Charter 3300

NCUA · 1 branch

Q4 2019

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 2019, the quarter ended December 31, 2019, 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

The Urban Street Biscuit WKRS

Buffalo, NY · Charter 3300

NCUA · 1 branch

Q4 2019

$704KAssets
$385KLoans
$492KShares
$211KNet 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 -2.40%, down 154 bps year over year; NIM at 3.91%.
  • Asset quality: problem loans at 0.10% of loans (-35 bps YoY).
  • Capital: net worth / assets of 29.93%, down 99 bps from a year ago.
  • Funding: loans stand at 78.23% of shares as of Q4 2019.

Financial Results

Return on Assets (YTD, annualized)

-2.40%-154 bps YoY

Net Interest Margin (YTD, annualized)

3.91%+18 bps YoY

Efficiency Ratio (YTD, annualized)

128.59%+1,351 bps YoY

Net Worth / Assets

29.93%-99 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2018Q1 2019Q2 2019Q3 2019Q4 2019YoY ΔTrend
Earnings
Return on Assets-0.87%-0.07%-2.89%-2.74%-2.40%-154 bps
Return on Equity-2.80%-0.22%-9.96%-8.95%-8.03%-522 bps
Net Interest Margin3.73%3.84%3.78%4.03%3.91%+18 bps
Efficiency Ratio115.07%101.72%112.71%125.85%128.59%+1,351 bps
Growth
Asset Growth (YoY)-16.75%-11.49%-11.47%-16.02%-4.37%+1,238 bps
Loan Growth (YoY)24.03%16.45%8.20%-13.54%-20.99%-4,502 bps
Share Growth (YoY)-21.89%-15.35%-13.57%-19.21%-2.96%+1,893 bps
Asset Quality
Delinquent Loans / Loans0.45%0.00%0.37%0.05%0.10%-35 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.13%0.60%2.75%0.00%0.00%-113 bps
Capital
Risk-Based Capital30.92%30.46%28.97%30.58%29.93%-99 bps
Net Worth / Assets30.92%30.46%28.97%30.58%29.93%-99 bps
Liquidity & Funding
Loans / Shares96.09%88.50%83.44%78.53%78.23%-1,786 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps