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Branch 6000 Nalc

Amityville, NY · Charter 63296

NCUA · 4 branches

Q2 2023

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 2023, the quarter ended June 30, 2023, 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

Branch 6000 Nalc

Amityville, NY · Charter 63296

NCUA · 4 branches

Q2 2023

$8.4MAssets
$4.2MLoans
$8.1MShares
$272KNet 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 -0.90%, down 93 bps year over year; NIM at 3.63%.
  • Asset quality: problem loans at 4.83% of loans (+105 bps YoY).
  • Capital: net worth / assets of 3.23%, down 265 bps from a year ago.
  • Funding: loans stand at 51.39% of shares as of Q2 2023.

Financial Results

Return on Assets (YTD, annualized)

-0.90%-93 bps YoY

Net Interest Margin (YTD, annualized)

3.63%+110 bps YoY

Efficiency Ratio (YTD, annualized)

73.76%-2,230 bps YoY

Net Worth / Assets

3.23%-265 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2022Q3 2022Q4 2022Q1 2023Q2 2023YoY ΔTrend
Earnings
Return on Assets0.03%-3.53%-2.99%-1.17%-0.90%-93 bps
Return on Equity0.54%-100.20%-87.42%-37.00%-27.77%-2,832 bps
Net Interest Margin2.53%2.77%2.90%3.51%3.63%+110 bps
Efficiency Ratio96.05%554%293%97.40%73.76%-2,230 bps
Growth
Asset Growth (YoY)-1.71%-5.10%-9.78%-9.94%-15.02%-1,331 bps
Loan Growth (YoY)6.72%10.70%9.25%14.94%19.16%+1,243 bps
Share Growth (YoY)-3.08%-0.99%-5.07%-5.01%-10.57%-749 bps
Asset Quality
Delinquent Loans / Loans3.77%5.59%4.83%3.80%4.83%+105 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.32%1.23%1.34%1.19%1.92%+59 bps
Capital
Risk-Based Capital5.88%3.52%3.43%3.17%3.23%-265 bps
Net Worth / Assets5.88%3.52%3.43%3.17%3.23%-265 bps
Liquidity & Funding
Loans / Shares38.57%38.55%43.17%44.82%51.39%+1,282 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps