PackageTrendsPeer
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N.E.A.R.M.C. Employees

Anniston, AL · Charter 11277

Q3 2015

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 2015, the quarter ended September 30, 2015, 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

N.E.A.R.M.C. Employees

Anniston, AL · Charter 11277

Q3 2015

$2.4MAssets
$1.6MLoans
$2.3MShares
$147KNet 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 -5.90%, down 463 bps year over year; NIM at 4.97%.
  • Asset quality: problem loans at 1.85% of loans (+77 bps YoY).
  • Capital: net worth / assets of 6.09%, down 112 bps from a year ago.
  • Funding: loans stand at 71.99% of shares as of Q3 2015.

Financial Results

Return on Assets (YTD, annualized)

-5.90%-463 bps YoY

Net Interest Margin (YTD, annualized)

4.97%+104 bps YoY

Efficiency Ratio (YTD, annualized)

101.89%+1,131 bps YoY

Net Worth / Assets

6.09%-112 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets-1.28%-1.13%-13.81%-7.63%-5.90%-463 bps
Return on Equity-17.69%-15.24%-284%-136.52%-97.01%-7,933 bps
Net Interest Margin3.93%4.00%3.94%4.56%4.97%+104 bps
Efficiency Ratio90.58%93.53%101.15%96.84%101.89%+1,131 bps
Growth
Asset Growth (YoY)-2.32%-3.92%-15.63%-25.74%-33.79%-3,147 bps
Loan Growth (YoY)-11.84%-12.11%-14.19%-18.36%-21.29%-946 bps
Share Growth (YoY)-0.84%-3.39%-13.11%-23.89%-32.92%-3,207 bps
Asset Quality
Delinquent Loans / Loans1.09%3.90%1.10%1.64%1.85%+77 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.96%2.05%4.27%4.45%4.53%+256 bps
Capital
Risk-Based Capital7.21%7.45%4.86%5.59%6.09%-112 bps
Net Worth / Assets7.21%7.45%4.86%5.59%6.09%-112 bps
Liquidity & Funding
Loans / Shares61.36%62.07%62.91%68.43%71.99%+1,063 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps