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Atlantic Greyhound

Charleston, WV · Charter 12252

Q3 2014

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 2014, the quarter ended September 30, 2014, 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

Atlantic Greyhound

Charleston, WV · Charter 12252

Q3 2014

$4.0MAssets
$861KLoans
$3.8MShares
$173KNet 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 -21.96%, down 709 bps year over year; NIM at 1.64%.
  • Asset quality: problem loans at 17.93% of loans (+77 bps YoY).
  • Capital: net worth / assets of 4.29%, down 1,444 bps from a year ago.
  • Funding: loans stand at 22.87% of shares as of Q3 2014.

Financial Results

Return on Assets (YTD, annualized)

-21.96%-709 bps YoY

Net Interest Margin (YTD, annualized)

1.64%-165 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

4.29%-1,444 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets-14.87%-4.41%-49.57%-30.38%-21.96%-709 bps
Return on Equity-79.40%-18.19%-327%-224%-512%-43,297 bps
Net Interest Margin3.29%2.96%2.43%2.37%1.64%-165 bps
Efficiency Ratio277%97.36%262%333%n/an/a
Growth
Asset Growth (YoY)-24.43%-19.64%-22.63%-14.26%21.76%+4,620 bps
Loan Growth (YoY)-24.61%-26.65%-30.37%-28.48%-29.51%-491 bps
Share Growth (YoY)-20.00%-21.57%-15.82%-7.68%40.03%+6,003 bps
Asset Quality
Delinquent Loans / Loans17.16%17.30%14.40%26.55%17.93%+77 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans27.62%31.06%61.15%63.76%70.93%+4,331 bps
Capital
Risk-Based Capital18.72%24.25%15.15%13.57%4.29%-1,444 bps
Net Worth / Assets18.72%24.25%15.15%13.57%4.29%-1,444 bps
Liquidity & Funding
Loans / Shares45.43%42.09%38.89%37.63%22.87%-2,256 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps