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W R Grace Maryland Employees

Baltimore, MD · Charter 10545

NCUA · 1 branch

Q3 2018

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 2018, the quarter ended September 30, 2018, 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

W R Grace Maryland Employees

Baltimore, MD · Charter 10545

NCUA · 1 branch

Q3 2018

$2.9MAssets
$296KLoans
$2.6MShares
$251KNet 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 -3.37%, down 267 bps year over year; NIM at 2.39%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 8.67%, down 100 bps from a year ago.
  • Funding: loans stand at 11.24% of shares as of Q3 2018.

Financial Results

Return on Assets (YTD, annualized)

-3.37%-267 bps YoY

Net Interest Margin (YTD, annualized)

2.39%+35 bps YoY

Efficiency Ratio (YTD, annualized)

219%+8,591 bps YoY

Net Worth / Assets

8.67%-100 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2017Q4 2017Q1 2018Q2 2018Q3 2018YoY ΔTrend
Earnings
Return on Assets-0.70%-0.70%-1.51%-1.02%-3.37%-267 bps
Return on Equity-7.22%-7.16%-16.65%-11.13%-38.85%-3,162 bps
Net Interest Margin2.04%2.10%2.10%2.25%2.39%+35 bps
Efficiency Ratio133.18%132.38%133.06%126.57%219%+8,591 bps
Growth
Asset Growth (YoY)5.65%4.98%2.59%-4.03%-15.05%-2,070 bps
Loan Growth (YoY)-7.45%-10.90%-19.93%-15.50%-9.83%-238 bps
Share Growth (YoY)7.09%6.43%3.83%-3.66%-14.12%-2,122 bps
Asset Quality
Delinquent Loans / Loans0.00%0.63%0.08%0.19%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.25%1.39%1.68%1.72%1.86%+61 bps
Capital
Risk-Based Capital9.67%9.81%9.04%9.16%8.67%-100 bps
Net Worth / Assets9.67%9.81%9.04%9.16%8.67%-100 bps
Liquidity & Funding
Loans / Shares10.70%9.95%8.78%9.26%11.24%+54 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps