Bohemia, NY · Charter 6265
NCUA · 1 branch
Q4 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2022, the quarter ended December 31, 2022, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Bohemia, NY · Charter 6265
NCUA · 1 branch
Q4 2022
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.81% | -1.67% | -4.47% | -1.85% | -4.35% | -354 bps | |
| Return on Equity | -4.01% | -8.16% | -22.57% | -9.15% | -22.43% | -1,842 bps | |
| Net Interest Margin | -0.73% | -1.52% | -0.27% | -0.33% | -0.48% | +25 bps | |
| Efficiency Ratio | 204% | 400% | 381% | 990% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -15.50% | -13.82% | -12.95% | -18.55% | -9.26% | +625 bps | |
| Loan Growth (YoY) | -64.69% | -66.48% | -65.82% | -74.01% | -100.00% | -3,531 bps | |
| Share Growth (YoY) | -18.18% | -16.02% | -14.32% | -20.22% | -9.05% | +913 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 154.30% | 191.11% | 226% | 373% | n/a | n/a | |
| Capital | |||||||
| Risk-Based Capital | 20.20% | 20.44% | 19.79% | 20.26% | 19.38% | -82 bps | |
| Net Worth / Assets | 20.20% | 20.44% | 19.79% | 20.26% | 19.38% | -82 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 1.24% | 1.02% | 0.86% | 0.55% | 0.00% | -124 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |