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St. Augustine Presbyterian

Bronx, NY · Charter 5263

NCUA · 1 branch

Q2 2020

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 2020, the quarter ended June 30, 2020, 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. Augustine Presbyterian

Bronx, NY · Charter 5263

NCUA · 1 branch

Q2 2020

$88KAssets
$1KLoans
$81KShares
$7KNet Worth

Executive Summary

  • Earnings: ROA of 0.45%, up 337 bps year over year; NIM at 0.73%.
  • Asset quality: problem loans at 41.73% of loans (+764 bps YoY).
  • Capital: net worth / assets of 7.59%, down 56 bps from a year ago.
  • Funding: loans stand at 1.23% of shares as of Q2 2020.

Return on Assets (YTD, annualized)

0.45%+337 bps YoY

Net Interest Margin (YTD, annualized)

0.73%+26 bps YoY

Efficiency Ratio (YTD, annualized)

37.74%-68,391 bps YoY

Net Worth / Assets

7.59%-56 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2018Q4 2018Q1 2019Q2 2019Q3 2019Q4 2019Q1 2020Q2 2020YoY ΔTrend
Earnings
Return on Assets-0.73%-1.49%-5.74%-2.92%-3.97%-3.01%0.17%0.45%+337 bps
Return on Equity-6.88%-15.58%-70.30%-35.82%-59.66%-46.49%2.53%5.95%+4,178 bps
Net Interest Margin0.57%0.57%0.30%0.47%0.46%0.44%0.67%0.73%+26 bps
Efficiency Ratio130.93%178.52%1984%722%962%780%74.53%37.74%-68,391 bps
Growth
Asset Growth (YoY)3.86%10.69%3.38%-7.46%-0.55%0.70%-3.01%-10.92%-346 bps
Loan Growth (YoY)-18.39%9.13%-40.29%-30.00%-33.34%-40.48%-50.86%-61.68%-3,169 bps
Share Growth (YoY)5.02%14.06%6.95%-5.08%3.76%4.13%-1.57%-10.37%-530 bps
Asset Quality
Delinquent Loans / Loans10.46%57.98%8.72%34.09%99.95%83.59%90.39%41.73%+764 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans15.37%13.35%15.41%18.68%23.11%22.47%31.29%48.75%+3,007 bps
Capital
Risk-Based Capital10.54%9.56%8.17%8.16%6.66%6.48%6.80%7.59%-56 bps
Net Worth / Assets10.54%9.56%8.17%8.16%6.66%6.48%6.80%7.59%-56 bps
Liquidity & Funding
Loans / Shares3.58%4.06%3.49%2.88%2.30%2.32%1.74%1.23%-165 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps