PackageTrendsPeer
Letter portraitLegal landscape

Empire BR 36 Natl Assoc of Le Carr

New York, NY · Charter 63906

NCUA · 1 branch

Q2 2021

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 2021, the quarter ended June 30, 2021, 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 BR 36 Natl Assoc of Le Carr

New York, NY · Charter 63906

NCUA · 1 branch

Q2 2021

$5.2MAssets
$1.2MLoans
$5.1MShares
$77KNet 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 -3.83%, down 333 bps year over year; NIM at 2.47%.
  • Asset quality: problem loans at 3.26% of loans (-52 bps YoY).
  • Capital: net worth / assets of 1.48%, down 354 bps from a year ago.
  • Funding: loans stand at 23.23% of shares as of Q2 2021.

Financial Results

Return on Assets (YTD, annualized)

-3.83%-333 bps YoY

Net Interest Margin (YTD, annualized)

2.47%-221 bps YoY

Efficiency Ratio (YTD, annualized)

181.22%+8,144 bps YoY

Net Worth / Assets

1.48%-354 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2020Q3 2020Q4 2020Q1 2021Q2 2021YoY ΔTrend
Earnings
Return on Assets-0.51%-1.81%-2.46%-2.67%-3.83%-333 bps
Return on Equity-10.14%-39.05%-70.77%-96.94%-259%-24,865 bps
Net Interest Margin4.68%4.67%4.17%2.59%2.47%-221 bps
Efficiency Ratio99.78%116.10%132.55%156.93%181.22%+8,144 bps
Growth
Asset Growth (YoY)11.16%2.19%1.41%-1.40%-9.16%-2,032 bps
Loan Growth (YoY)-28.10%-40.38%-37.73%-38.22%-27.90%+21 bps
Share Growth (YoY)13.55%4.37%3.09%2.12%-5.80%-1,935 bps
Asset Quality
Delinquent Loans / Loans3.78%5.48%4.30%2.47%3.26%-52 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.06%2.24%2.38%1.77%2.14%+7 bps
Capital
Risk-Based Capital5.02%4.63%3.48%2.76%1.48%-354 bps
Net Worth / Assets5.02%4.63%3.48%2.76%1.48%-354 bps
Liquidity & Funding
Loans / Shares30.35%28.65%28.70%24.76%23.23%-712 bps
Liquid Assets / Assets98.29%0.00%0.00%0.00%0.00%-9,829 bps