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Dressmakers

New York, NY · Charter 62762

Q1 2006

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 2006, the quarter ended March 31, 2006, 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

Dressmakers

New York, NY · Charter 62762

Q1 2006

$900KAssets
$699KLoans
$782KShares
$117KNet 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 1.33%, up 376 bps year over year; NIM at 5.65%.
  • Asset quality: problem loans at 12.90% of loans (+546 bps YoY).
  • Capital: net worth / assets of 13.03%, down 262 bps from a year ago.
  • Funding: loans stand at 89.30% of shares as of Q1 2006.

Financial Results

Return on Assets (YTD, annualized)

1.33%+376 bps YoY

Net Interest Margin (YTD, annualized)

5.65%+332 bps YoY

Efficiency Ratio (YTD, annualized)

78.21%-19,533 bps YoY

Net Worth / Assets

13.03%-262 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2005Q2 2005Q3 2005Q4 2005Q1 2006YoY ΔTrend
Earnings
Return on Assets-2.43%-3.13%-1.49%-0.64%1.33%+376 bps
Return on Equity-15.51%-18.99%-8.57%-4.51%10.21%+2,572 bps
Net Interest Margin2.32%2.90%3.63%4.79%5.65%+332 bps
Efficiency Ratio274%146.97%112.31%82.01%78.21%-19,533 bps
Growth
Asset Growth (YoY)-10.83%-21.60%-18.29%4.18%12.37%+2,320 bps
Loan Growth (YoY)181.13%80.45%148.06%160.31%44.25%-13,687 bps
Share Growth (YoY)-12.23%-24.25%-20.34%6.09%15.86%+2,809 bps
Asset Quality
Delinquent Loans / Loans7.44%5.87%5.63%2.74%12.90%+546 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.43%1.15%0.95%1.04%0.83%-60 bps
Capital
Risk-Based Capital15.65%16.51%17.39%14.23%13.03%-262 bps
Net Worth / Assets15.65%16.51%17.39%14.23%13.03%-262 bps
Liquidity & Funding
Loans / Shares71.72%75.58%94.14%83.99%89.30%+1,758 bps
Liquid Assets / Assets38.06%35.43%20.45%26.64%21.22%-1,684 bps