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St. Regis Deferiet Division Em

Deferiet, NY · Charter 9478

NCUA · 1 branch

Q1 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: Q1 2021, the quarter ended March 31, 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

St. Regis Deferiet Division Em

Deferiet, NY · Charter 9478

NCUA · 1 branch

Q1 2021

$4.6MAssets
$2.2MLoans
$4.3MShares
$278KNet 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 -0.67%, down 1 bps year over year; NIM at 3.51%.
  • Asset quality: problem loans at 0.77% of loans (-126 bps YoY).
  • Capital: net worth / assets of 6.09%, up 142 bps from a year ago.
  • Funding: loans stand at 50.38% of shares as of Q1 2021.

Financial Results

Return on Assets (YTD, annualized)

-0.67%-1 bps YoY

Net Interest Margin (YTD, annualized)

3.51%-99 bps YoY

Efficiency Ratio (YTD, annualized)

133.01%+1,413 bps YoY

Net Worth / Assets

6.09%+142 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2020Q2 2020Q3 2020Q4 2020Q1 2021YoY ΔTrend
Earnings
Return on Assets-0.66%1.07%2.65%1.97%-0.67%-1 bps
Return on Equity-14.15%21.03%40.54%30.31%-11.00%+315 bps
Net Interest Margin4.50%4.01%4.10%4.05%3.51%-99 bps
Efficiency Ratio118.88%98.12%98.12%102.19%133.01%+1,413 bps
Growth
Asset Growth (YoY)-28.28%-16.11%-6.31%1.66%10.84%+3,912 bps
Loan Growth (YoY)-19.15%-17.74%-12.19%-12.28%-13.12%+603 bps
Share Growth (YoY)-18.14%-11.50%-7.16%-0.32%9.23%+2,737 bps
Asset Quality
Delinquent Loans / Loans2.03%1.93%1.96%1.40%0.77%-126 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans5.71%4.73%2.17%1.44%1.12%-459 bps
Capital
Risk-Based Capital4.67%5.06%6.54%6.50%6.09%+142 bps
Net Worth / Assets4.67%5.06%6.54%6.50%6.09%+142 bps
Liquidity & Funding
Loans / Shares63.34%57.32%58.50%56.09%50.38%-1,296 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps