PackageTrendsPeer
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Consumers Union Employees

Yonkers, NY · Charter 8702

NCUA · 2 branches

Q4 2017

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: Q4 2017, the quarter ended December 31, 2017, 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

Consumers Union Employees

Yonkers, NY · Charter 8702

NCUA · 2 branches

Q4 2017

$3.1MAssets
$852KLoans
$2.5MShares
$562KNet Worth

Executive Summary

  • Earnings: ROA of -1.38%, down 113 bps year over year; NIM at -0.43%.
  • Asset quality: problem loans at 4.02% of loans (+402 bps YoY).
  • Capital: net worth / assets of 18.07%, up 113 bps from a year ago.
  • Funding: loans stand at 33.40% of shares as of Q4 2017.

Return on Assets (YTD, annualized)

-1.38%-113 bps YoY

Net Interest Margin (YTD, annualized)

-0.43%-189 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

18.07%+113 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2016Q2 2016Q3 2016Q4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets-3.17%-1.09%-0.60%-0.25%1.06%1.03%1.00%-1.38%-113 bps
Return on Equity-24.40%-8.41%-4.10%-1.48%6.16%5.88%5.35%-7.62%-613 bps
Net Interest Margin1.03%1.06%1.25%1.46%2.02%1.76%1.81%-0.43%-189 bps
Efficiency Ratio64.70%88.91%75.72%64.14%47.41%54.52%53.48%n/an/a
Growth
Asset Growth (YoY)0.22%4.89%-7.04%-20.50%-19.97%-22.04%-17.87%-12.89%+761 bps
Loan Growth (YoY)-20.98%-4.65%6.14%7.93%7.82%1.67%-0.86%13.79%+587 bps
Share Growth (YoY)-0.13%3.91%-7.97%-23.52%-23.88%-26.07%-21.90%-14.07%+944 bps
Asset Quality
Delinquent Loans / Loans3.14%0.79%0.00%0.00%0.00%0.00%1.02%4.02%+402 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans4.53%1.02%1.25%0.82%0.95%1.05%1.17%1.08%+26 bps
Capital
Risk-Based Capital13.01%12.98%14.54%16.94%17.26%17.48%18.74%18.07%+113 bps
Net Worth / Assets13.01%12.98%14.54%16.94%17.26%17.48%18.74%18.07%+113 bps
Liquidity & Funding
Loans / Shares18.29%18.74%21.24%25.22%25.91%25.76%26.97%33.40%+818 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps