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Mt Zion Charlottesville

Charlottesvil, VA · Charter 17043

Q1 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: Q1 2013, the quarter ended March 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

Mt Zion Charlottesville

Charlottesvil, VA · Charter 17043

Q1 2013

$119KAssets
$5KLoans
$100KShares
$14KNet 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 -1.08%, down 499 bps year over year; NIM at 0.80%.
  • Asset quality: problem loans at 0.00% of loans (-8,208 bps YoY).
  • Capital: net worth / assets of 12.08%, down 74 bps from a year ago.
  • Funding: loans stand at 5.46% of shares as of Q1 2013.

Financial Results

Return on Assets (YTD, annualized)

-1.08%-499 bps YoY

Net Interest Margin (YTD, annualized)

0.80%-195 bps YoY

Efficiency Ratio (YTD, annualized)

235%+20,575 bps YoY

Net Worth / Assets

12.08%-74 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2012Q2 2012Q3 2012Q4 2012Q1 2013YoY ΔTrend
Earnings
Return on Assets3.91%-7.06%-3.17%-1.33%-1.08%-499 bps
Return on Equity30.50%-90.43%-38.92%-14.14%-8.94%-3,943 bps
Net Interest Margin2.75%1.96%1.59%1.49%0.80%-195 bps
Efficiency Ratio28.98%50.30%44.94%38.95%235%+20,575 bps
Growth
Asset Growth (YoY)1.31%-15.95%4.63%23.15%-17.77%-1,908 bps
Loan Growth (YoY)-38.07%-46.73%-63.14%-68.19%-69.42%-3,135 bps
Share Growth (YoY)-3.23%-15.22%4.82%24.46%-20.87%-1,764 bps
Asset Quality
Delinquent Loans / Loans82.08%26.62%17.96%12.62%0.00%-8,208 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans22.71%22.17%27.57%46.32%55.97%+3,326 bps
Capital
Risk-Based Capital12.82%7.81%8.14%9.39%12.08%-74 bps
Net Worth / Assets12.82%7.81%8.14%9.39%12.08%-74 bps
Liquidity & Funding
Loans / Shares14.13%9.47%6.88%4.97%5.46%-867 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps