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All Souls

New York, NY · Charter 8950

NCUA · 3 branches

Q3 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: Q3 2021, the quarter ended September 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

All Souls

New York, NY · Charter 8950

NCUA · 3 branches

Q3 2021

$86KAssets
$0KLoans
$67KShares
$19KNet 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 -4.01%, down 325 bps year over year; NIM at 0.88%.
  • Capital: net worth / assets of 21.72%, up 798 bps from a year ago.
  • Funding: loans stand at 0.00% of shares as of Q3 2021.

Financial Results

Return on Assets (YTD, annualized)

-4.01%-325 bps YoY

Net Interest Margin (YTD, annualized)

0.88%+64 bps YoY

Efficiency Ratio (YTD, annualized)

534%+18,598 bps YoY

Net Worth / Assets

21.72%+798 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021YoY ΔTrend
Earnings
Return on Assets-0.76%-1.31%-1.73%-1.70%-4.01%-325 bps
Return on Equity-5.51%-10.67%-14.31%-14.46%-18.44%-1,293 bps
Net Interest Margin0.24%0.78%0.79%0.59%0.88%+64 bps
Efficiency Ratio348%267%304%374%534%+18,598 bps
Growth
Asset Growth (YoY)-0.78%-0.88%-2.69%-3.14%-50.73%-4,996 bps
Loan Growth (YoY)-18.20%-23.11%-78.02%-86.64%-100.00%-8,180 bps
Share Growth (YoY)-0.63%0.29%-0.86%-1.03%-55.74%-5,511 bps
Asset Quality
Delinquent Loans / Loans0.00%96.82%0.00%0.00%n/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans65.24%84.85%297%488%n/an/a
Capital
Risk-Based Capital13.73%12.30%12.09%11.73%21.72%+798 bps
Net Worth / Assets13.73%12.30%12.09%11.73%21.72%+798 bps
Liquidity & Funding
Loans / Shares1.71%1.31%0.38%0.23%0.00%-171 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps