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MHMC

Cumberland, MD · Charter 13545

NCUA · 1 branch

Q3 2019

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 2019, the quarter ended September 30, 2019, 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 2026-10-10

MHMC

Cumberland, MD · Charter 13545

NCUA · 1 branch

Q3 2019

$6.6MAssets
$3.1MLoans
$6.3MShares
$187KNet 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 -6.89%, down 676 bps year over year; NIM at 4.18%.
  • Asset quality: problem loans at 0.37% of loans (-34 bps YoY).
  • Capital: net worth / assets of 2.84%, down 448 bps from a year ago.
  • Funding: loans stand at 48.64% of shares as of Q3 2019.

Financial Results

Return on Assets (YTD, annualized)

-6.89%-676 bps YoY

Net Interest Margin (YTD, annualized)

4.18%+28 bps YoY

Efficiency Ratio (YTD, annualized)

469%+36,867 bps YoY

Net Worth / Assets

2.84%-448 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2018Q4 2018Q1 2019Q2 2019Q3 2019YoY ΔTrend
Earnings
Return on Assets-0.13%-0.61%-0.07%-0.38%-6.89%-676 bps
Return on Equity-1.80%-8.47%-0.98%-5.56%-243%-24,113 bps
Net Interest Margin3.89%4.03%3.71%3.70%4.18%+28 bps
Efficiency Ratio100.54%105.45%101.40%106.80%469%+36,867 bps
Growth
Asset Growth (YoY)-10.33%-11.10%-9.10%-11.90%-14.60%-427 bps
Loan Growth (YoY)-3.84%-4.65%-9.73%-7.26%-11.20%-737 bps
Share Growth (YoY)-11.01%-11.47%-9.33%-12.15%-12.27%-125 bps
Asset Quality
Delinquent Loans / Loans0.71%1.31%1.45%0.33%0.37%-34 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.56%1.89%1.86%1.34%1.27%-29 bps
Capital
Risk-Based Capital7.32%7.20%6.80%6.86%2.84%-448 bps
Net Worth / Assets7.32%7.20%6.80%6.86%2.84%-448 bps
Liquidity & Funding
Loans / Shares48.06%50.09%44.20%45.88%48.64%+58 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps