PackageTrendsPeer
Letter portraitLegal landscape

National Gypsum Balto Emp

Baltimore, MD · Charter 10766

Q3 2003

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 2003, the quarter ended September 30, 2003, 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

National Gypsum Balto Emp

Baltimore, MD · Charter 10766

Q3 2003

$57KAssets
$54KLoans
$31KShares
$26KNet 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 0.15%, up 146 bps year over year; NIM at 5.69%.
  • Asset quality: problem loans at 27.14% of loans (+141 bps YoY).
  • Capital: net worth / assets of 46.29%, up 217 bps from a year ago.
  • Funding: loans stand at 176.76% of shares as of Q3 2003.

Financial Results

Return on Assets (YTD, annualized)

0.15%+146 bps YoY

Net Interest Margin (YTD, annualized)

5.69%-359 bps YoY

Efficiency Ratio (YTD, annualized)

97.28%-1,683 bps YoY

Net Worth / Assets

46.29%+217 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2002Q4 2002Q1 2003Q2 2003Q3 2003YoY ΔTrend
Earnings
Return on Assets-1.31%-4.54%-2.84%-2.18%0.15%+146 bps
Return on Equity-2.97%-11.04%-6.99%-5.45%0.33%+330 bps
Net Interest Margin9.28%6.72%7.56%7.48%5.69%-359 bps
Efficiency Ratio114.10%167.53%137.63%129.23%97.28%-1,683 bps
Growth
Asset Growth (YoY)-17.84%-5.27%-5.78%-0.38%-11.85%+599 bps
Loan Growth (YoY)-32.64%-25.02%-20.14%-16.66%-7.99%+2,465 bps
Share Growth (YoY)-13.02%-0.22%1.83%-5.14%-15.28%-226 bps
Asset Quality
Delinquent Loans / Loans25.74%25.74%25.94%25.38%27.14%+141 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans24.64%25.39%25.59%25.04%26.78%+214 bps
Capital
Risk-Based Capital44.12%41.10%40.69%40.09%46.29%+217 bps
Net Worth / Assets44.12%41.10%40.69%40.09%46.29%+217 bps
Liquidity & Funding
Loans / Shares162.76%151.62%150.42%151.41%176.76%+1,400 bps
Liquid Assets / Assets30.91%32.82%33.05%31.44%28.65%-227 bps