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St. Marks

New York, NY · Charter 5022

NCUA · 1 branch

Q4 2017

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 2017, the quarter ended December 31, 2017, 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

St. Marks

New York, NY · Charter 5022

NCUA · 1 branch

Q4 2017

$0KAssets
$0KLoans
$0KShares
$0KNet 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 -4441.71%, down 443,236 bps year over year; NIM at -3379.14%.
  • Capital: net worth / assets of 100.00%, up 8,510 bps from a year ago.

Financial Results

Return on Assets (YTD, annualized)

-4442%-443,236 bps YoY

Net Interest Margin (YTD, annualized)

-3379%-337,994 bps YoY

Efficiency Ratio (YTD, annualized)

14890%+1,360,692 bps YoY

Net Worth / Assets

100.00%+8,510 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets-9.35%-8.88%-3878%-794%-4442%-443,236 bps
Return on Equity-62.74%-67.68%-3878%-5196%-4442%-437,897 bps
Net Interest Margin0.80%0.05%-3034%-606%-3379%-337,994 bps
Efficiency Ratio1283%16487%n/an/a14890%+1,360,692 bps
Growth
Asset Growth (YoY)-34.51%-36.12%-99.52%-98.32%-99.67%-6,516 bps
Loan Growth (YoY)-100.00%-100.00%-100.00%-100.00%n/an/a
Share Growth (YoY)-34.25%-34.25%-100.00%-100.00%-100.00%-6,575 bps
Asset Quality
Delinquent Loans / Loansn/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/a
Capital
Risk-Based Capital14.90%13.12%100.00%15.28%100.00%+8,510 bps
Net Worth / Assets14.90%13.12%100.00%15.28%100.00%+8,510 bps
Liquidity & Funding
Loans / Shares0.00%0.00%n/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps