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Gropaco

Groveton, NH · Charter 16020

Q4 2013

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: Q4 2013, the quarter ended December 31, 2013, 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

Gropaco

Groveton, NH · Charter 16020

Q4 2013

$595KAssets
$321KLoans
$465KShares
$128KNet 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 -6.35%, down 419 bps year over year; NIM at 5.98%.
  • Asset quality: problem loans at 6.75% of loans (+542 bps YoY).
  • Capital: net worth / assets of 21.59%, up 152 bps from a year ago.
  • Funding: loans stand at 69.14% of shares as of Q4 2013.

Financial Results

Return on Assets (YTD, annualized)

-6.35%-419 bps YoY

Net Interest Margin (YTD, annualized)

5.98%+27 bps YoY

Efficiency Ratio (YTD, annualized)

171.81%+4,045 bps YoY

Net Worth / Assets

21.59%+152 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2012Q1 2013Q2 2013Q3 2013Q4 2013YoY ΔTrend
Earnings
Return on Assets-2.16%-3.78%-3.53%-4.52%-6.35%-419 bps
Return on Equity-10.75%-20.74%-18.88%-22.46%-29.40%-1,865 bps
Net Interest Margin5.71%4.90%5.00%5.59%5.98%+27 bps
Efficiency Ratio131.36%165.36%159.44%151.77%171.81%+4,045 bps
Growth
Asset Growth (YoY)-17.40%-17.69%-20.14%-17.00%-28.18%-1,078 bps
Loan Growth (YoY)-22.65%-24.95%-24.93%-30.53%-37.54%-1,489 bps
Share Growth (YoY)-12.51%-19.45%-22.26%-17.73%-29.71%-1,720 bps
Asset Quality
Delinquent Loans / Loans1.33%5.04%2.24%0.42%6.75%+542 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.34%1.49%1.19%2.11%2.55%+121 bps
Capital
Risk-Based Capital20.07%18.23%18.67%20.11%21.59%+152 bps
Net Worth / Assets20.07%18.23%18.67%20.11%21.59%+152 bps
Liquidity & Funding
Loans / Shares77.80%66.94%66.37%68.68%69.14%-867 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps