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Empire State

Spring Valley, NY · Charter 60308

Q1 2015

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 2015, the quarter ended March 31, 2015, 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

Empire State

Spring Valley, NY · Charter 60308

Q1 2015

$7.6MAssets
$2.1MLoans
$7.1MShares
$470KNet Worth

Executive Summary

  • Earnings: ROA of 0.48%, down 29 bps year over year; NIM at 3.20%.
  • Asset quality: problem loans at 1.67% of loans (+44 bps YoY).
  • Capital: net worth / assets of 6.23%, up 50 bps from a year ago.
  • Funding: loans stand at 29.07% of shares as of Q1 2015.

Return on Assets (YTD, annualized)

0.48%-29 bps YoY

Net Interest Margin (YTD, annualized)

3.20%+8 bps YoY

Efficiency Ratio (YTD, annualized)

89.28%+634 bps YoY

Net Worth / Assets

6.23%+50 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2013Q3 2013Q4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015YoY ΔTrend
Earnings
Return on Assets0.42%0.36%0.33%0.77%0.38%0.34%0.19%0.48%-29 bps
Return on Equity8.21%6.19%5.44%13.44%6.71%5.26%2.87%7.76%-568 bps
Net Interest Margin2.80%3.23%3.32%3.12%3.07%3.52%3.62%3.20%+8 bps
Efficiency Ratio89.04%91.43%92.36%82.94%87.40%87.99%92.46%89.28%+634 bps
Growth
Asset Growth (YoY)-3.32%-2.84%-4.32%-3.89%-3.11%-3.98%-4.04%-6.11%-223 bps
Loan Growth (YoY)0.60%4.97%6.51%9.54%1.69%1.91%8.83%2.73%-682 bps
Share Growth (YoY)-3.66%-3.18%-4.95%-4.25%-3.46%-4.50%-4.54%-6.62%-237 bps
Asset Quality
Delinquent Loans / Loans0.31%1.31%1.04%1.23%0.77%0.48%1.05%1.67%+44 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.34%0.21%0.23%0.18%0.25%0.24%0.24%0.26%+9 bps
Capital
Risk-Based Capital5.17%5.87%6.01%5.72%5.64%6.45%6.48%6.23%+50 bps
Net Worth / Assets5.17%5.87%6.01%5.72%5.64%6.45%6.48%6.23%+50 bps
Liquidity & Funding
Loans / Shares25.41%29.64%29.54%26.42%26.77%31.62%33.67%29.07%+264 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps