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Unity

Atco, NJ · Charter 9399

NCUA · 1 branch

Q3 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: Q3 2019, the quarter ended September 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

Unity

Atco, NJ · Charter 9399

NCUA · 1 branch

Q3 2019

$3.0MAssets
$1.5MLoans
$2.4MShares
$615KNet Worth

Executive Summary

  • Earnings: ROA of -1.28%, down 174 bps year over year; NIM at 6.36%.
  • Asset quality: problem loans at 0.00% of loans (-32 bps YoY).
  • Capital: net worth / assets of 20.47%, up 212 bps from a year ago.
  • Funding: loans stand at 63.87% of shares as of Q3 2019.

Return on Assets (YTD, annualized)

-1.28%-174 bps YoY

Net Interest Margin (YTD, annualized)

6.36%+129 bps YoY

Efficiency Ratio (YTD, annualized)

116.92%+2,651 bps YoY

Net Worth / Assets

20.47%+212 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2017Q1 2018Q2 2018Q3 2018Q4 2018Q1 2019Q2 2019Q3 2019YoY ΔTrend
Earnings
Return on Assets0.55%0.07%0.24%0.46%0.59%0.19%0.44%-1.28%-174 bps
Return on Equity2.77%0.40%1.31%2.50%3.15%1.00%2.33%-6.25%-875 bps
Net Interest Margin5.56%4.90%4.95%5.07%5.29%5.61%5.59%6.36%+129 bps
Efficiency Ratio89.60%97.00%94.11%90.41%88.58%95.33%91.36%116.92%+2,651 bps
Growth
Asset Growth (YoY)-2.38%6.44%8.12%8.51%9.46%-1.98%-1.51%-13.26%-2,177 bps
Loan Growth (YoY)-12.25%-18.84%-13.52%-10.84%-8.62%-3.42%2.32%0.92%+1,176 bps
Share Growth (YoY)-3.55%7.53%9.64%9.93%11.04%-3.17%-4.55%-15.53%-2,546 bps
Asset Quality
Delinquent Loans / Loans0.14%0.15%0.17%0.32%0.00%0.00%0.00%0.00%-32 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.65%2.08%2.00%2.04%1.70%1.74%1.68%1.77%-27 bps
Capital
Risk-Based Capital19.93%18.15%18.04%18.35%18.80%19.15%19.01%20.47%+212 bps
Net Worth / Assets19.93%18.15%18.04%18.35%18.80%19.15%19.01%20.47%+212 bps
Liquidity & Funding
Loans / Shares70.36%52.99%54.91%53.46%57.90%52.85%58.86%63.87%+1,041 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps