PackageTrendsPeer
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N R P O Employees

New Rochelle, NY · Charter 6107

Q4 2013

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 2013, the quarter ended December 31, 2013, 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

N R P O Employees

New Rochelle, NY · Charter 6107

Q4 2013

$726KAssets
$146KLoans
$602KShares
$123KNet 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 -1.51%, up 157 bps year over year; NIM at 2.46%.
  • Asset quality: problem loans at 7.66% of loans (-419 bps YoY).
  • Capital: net worth / assets of 16.99%, up 223 bps from a year ago.
  • Funding: loans stand at 24.25% of shares as of Q4 2013.

Financial Results

Return on Assets (YTD, annualized)

-1.51%+157 bps YoY

Net Interest Margin (YTD, annualized)

2.46%-61 bps YoY

Efficiency Ratio (YTD, annualized)

127.16%+3,316 bps YoY

Net Worth / Assets

16.99%+223 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2012Q1 2013Q2 2013Q3 2013Q4 2013YoY ΔTrend
Earnings
Return on Assets-3.08%-2.16%-1.34%-1.74%-1.51%+157 bps
Return on Equity-20.84%-15.20%-9.51%-10.54%-8.86%+1,198 bps
Net Interest Margin3.06%2.45%2.32%2.56%2.46%-61 bps
Efficiency Ratio94.00%113.80%118.49%124.16%127.16%+3,316 bps
Growth
Asset Growth (YoY)1.89%1.65%3.02%-18.71%-17.08%-1,898 bps
Loan Growth (YoY)-28.01%-31.07%-33.20%-40.27%-39.95%-1,195 bps
Share Growth (YoY)8.82%9.35%9.57%-18.69%-19.26%-2,808 bps
Asset Quality
Delinquent Loans / Loans11.85%16.56%29.26%21.18%7.66%-419 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.41%6.89%7.45%8.31%10.09%+568 bps
Capital
Risk-Based Capital14.76%14.18%14.07%16.48%16.99%+223 bps
Net Worth / Assets14.76%14.18%14.07%16.48%16.99%+223 bps
Liquidity & Funding
Loans / Shares32.60%28.52%26.32%27.91%24.25%-836 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps