PackageTrendsPeer
Letter portraitLegal landscape

Cohoes City Employees

Cohoes, NY · Charter 68652

Q2 2014

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 2014, the quarter ended June 30, 2014, 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

Cohoes City Employees

Cohoes, NY · Charter 68652

Q2 2014

$723KAssets
$69KLoans
$435KShares
$288KNet Worth

Executive Summary

  • Earnings: ROA of -3.80%; NIM at 1.39%.
  • Asset quality: problem loans at 0.00% of loans.
  • Capital: net worth / assets of 39.81%.
  • Funding: loans stand at 15.88% of shares as of Q2 2014.

Return on Assets (YTD, annualized)

-3.80%
n/a

Net Interest Margin (YTD, annualized)

1.39%
n/a

Efficiency Ratio (YTD, annualized)

369%
n/a

Net Worth / Assets

39.81%
n/a

Year to date, annualized, through each quarter.

MetricQ2 2014YoY ΔTrend
Earnings
Return on Assets-3.80%n/an/a
Return on Equity-9.55%n/an/a
Net Interest Margin1.39%n/an/a
Efficiency Ratio369%n/an/a
Growth
Asset Growth (YoY)n/an/an/a
Loan Growth (YoY)n/an/an/a
Share Growth (YoY)n/an/an/a
Asset Quality
Delinquent Loans / Loans0.00%n/an/a
Net Charge-Offs / Loansn/an/an/a
Allowance / Loans7.18%n/an/a
Capital
Risk-Based Capital39.81%n/an/a
Net Worth / Assets39.81%n/an/a
Liquidity & Funding
Loans / Shares15.88%n/an/a
Liquid Assets / Assets0.00%n/an/a