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Grace Congregational Church

New York, NY · Charter 7883

NCUA · 2 branches

Q2 2019

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 2019, the quarter ended June 30, 2019, 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

Grace Congregational Church

New York, NY · Charter 7883

NCUA · 2 branches

Q2 2019

$172KAssets
$9KLoans
$96KShares
$76KNet 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 -2.48%, down 305 bps year over year; NIM at 1.39%.
  • Asset quality: problem loans at 24.73% of loans (-4,711 bps YoY).
  • Capital: net worth / assets of 43.94%, up 37 bps from a year ago.
  • Funding: loans stand at 9.66% of shares as of Q2 2019.

Financial Results

Return on Assets (YTD, annualized)

-2.48%-305 bps YoY

Net Interest Margin (YTD, annualized)

1.39%+40 bps YoY

Efficiency Ratio (YTD, annualized)

102.27%+5,837 bps YoY

Net Worth / Assets

43.94%+37 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2018Q3 2018Q4 2018Q1 2019Q2 2019YoY ΔTrend
Earnings
Return on Assets0.56%0.84%0.41%1.96%-2.48%-305 bps
Return on Equity1.29%1.87%0.91%4.33%-5.65%-694 bps
Net Interest Margin0.99%1.72%1.44%1.20%1.39%+40 bps
Efficiency Ratio43.90%51.32%71.68%80.97%102.27%+5,837 bps
Growth
Asset Growth (YoY)-8.27%-7.73%-6.41%-3.61%-7.88%+39 bps
Loan Growth (YoY)13.72%-7.73%-12.32%-19.49%-49.74%-6,346 bps
Share Growth (YoY)-14.74%-13.09%-10.81%-7.00%-8.37%+637 bps
Asset Quality
Delinquent Loans / Loans71.84%17.36%35.47%14.62%24.73%-4,711 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans12.17%14.54%15.57%5.49%18.58%+641 bps
Capital
Risk-Based Capital43.57%45.14%45.17%45.31%43.94%+37 bps
Net Worth / Assets43.57%45.14%45.17%45.31%43.94%+37 bps
Liquidity & Funding
Loans / Shares17.61%15.60%14.67%12.71%9.66%-795 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps