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Blennerhassett

Vienna, WV · Charter 10540

Q4 2013

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 2013, the quarter ended December 31, 2013, 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

Blennerhassett

Vienna, WV · Charter 10540

Q4 2013

$4.5MAssets
$2.8MLoans
$3.8MShares
$763KNet Worth

Executive Summary

  • Earnings: ROA of -12.46%, down 1,250 bps year over year; NIM at 1.89%.
  • Asset quality: problem loans at 0.00% of loans (-692 bps YoY).
  • Capital: net worth / assets of 16.77%, down 562 bps from a year ago.
  • Funding: loans stand at 73.64% of shares as of Q4 2013.

Return on Assets (YTD, annualized)

-12.46%-1,250 bps YoY

Net Interest Margin (YTD, annualized)

1.89%-201 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

16.77%-562 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2012Q2 2012Q3 2012Q4 2012Q1 2013Q2 2013Q3 2013Q4 2013YoY ΔTrend
Earnings
Return on Assets0.45%0.72%0.61%0.04%0.03%-17.97%-13.70%-12.46%-1,250 bps
Return on Equity2.09%3.25%2.73%0.18%0.15%-115.95%-88.48%-74.30%-7,449 bps
Net Interest Margin3.91%3.99%3.91%3.90%3.28%1.72%1.71%1.89%-201 bps
Efficiency Ratio85.43%77.44%77.72%87.99%89.14%n/an/an/an/a
Growth
Asset Growth (YoY)-4.05%-3.82%-4.38%-5.27%-4.27%-9.84%-14.34%-23.41%-1,814 bps
Loan Growth (YoY)-3.20%-7.11%-11.69%-16.64%-16.40%-24.95%-23.89%-24.08%-744 bps
Share Growth (YoY)-5.30%-5.10%-5.81%-6.74%-5.32%-2.15%-6.92%-17.93%-1,119 bps
Asset Quality
Delinquent Loans / Loans3.87%5.39%4.32%6.92%5.78%0.00%0.00%0.00%-692 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.40%0.91%1.13%0.33%0.72%0.65%0.67%0.71%+38 bps
Capital
Risk-Based Capital21.71%22.25%22.30%22.39%22.61%15.50%15.49%16.77%-562 bps
Net Worth / Assets21.71%22.25%22.30%22.39%22.61%15.50%15.49%16.77%-562 bps
Liquidity & Funding
Loans / Shares88.36%86.68%82.65%79.61%78.03%66.48%67.58%73.64%-597 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps