PackageTrendsPeer
Letter portraitLegal landscape

Unite General Office Employees

New York, NY · Charter 9258

Q3 2007

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 2007, the quarter ended September 30, 2007, 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

Unite General Office Employees

New York, NY · Charter 9258

Q3 2007

$673KAssets
$156KLoans
$485KShares
$174KNet 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 0.23%, down 146 bps year over year; NIM at 2.34%.
  • Asset quality: problem loans at 5.13% of loans (-1,068 bps YoY).
  • Capital: net worth / assets of 25.82%, down 92 bps from a year ago.
  • Funding: loans stand at 32.24% of shares as of Q3 2007.

Financial Results

Return on Assets (YTD, annualized)

0.23%-146 bps YoY

Net Interest Margin (YTD, annualized)

2.34%-117 bps YoY

Efficiency Ratio (YTD, annualized)

10.61%-2,402 bps YoY

Net Worth / Assets

25.82%-92 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets1.68%0.67%2.90%0.34%0.23%-146 bps
Return on Equity6.30%2.57%10.94%1.31%0.87%-543 bps
Net Interest Margin3.50%3.01%3.53%3.50%2.34%-117 bps
Efficiency Ratio34.63%40.08%17.78%10.61%10.61%-2,402 bps
Growth
Asset Growth (YoY)11.68%6.47%6.47%3.88%1.92%-976 bps
Loan Growth (YoY)-13.40%-5.12%-5.40%-9.10%14.25%+2,765 bps
Share Growth (YoY)14.68%7.89%5.45%1.84%0.28%-1,441 bps
Asset Quality
Delinquent Loans / Loans15.80%9.42%10.07%5.13%5.13%-1,068 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.86%3.42%3.73%3.20%3.20%-66 bps
Capital
Risk-Based Capital26.73%26.00%26.53%25.82%25.82%-92 bps
Net Worth / Assets26.73%26.00%26.53%25.82%25.82%-92 bps
Liquidity & Funding
Loans / Shares28.29%39.09%36.56%32.24%32.24%+394 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps