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N M P Northern Area

So. Glen Falls, NY · Charter 1710

Q2 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: Q2 2013, the quarter ended June 30, 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

N M P Northern Area

So. Glen Falls, NY · Charter 1710

Q2 2013

$3.6MAssets
$1.3MLoans
$3.0MShares
$575KNet 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 -19.97%, down 1,978 bps year over year; NIM at 2.86%.
  • Asset quality: problem loans at 5.07% of loans (-9 bps YoY).
  • Capital: net worth / assets of 16.04%, down 676 bps from a year ago.
  • Funding: loans stand at 43.91% of shares as of Q2 2013.

Financial Results

Return on Assets (YTD, annualized)

-19.97%-1,978 bps YoY

Net Interest Margin (YTD, annualized)

2.86%+23 bps YoY

Efficiency Ratio (YTD, annualized)

304%+19,705 bps YoY

Net Worth / Assets

16.04%-676 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2012Q3 2012Q4 2012Q1 2013Q2 2013YoY ΔTrend
Earnings
Return on Assets-0.19%-0.12%-0.06%0.23%-19.97%-1,978 bps
Return on Equity-0.83%-0.51%-0.27%0.98%-124.49%-12,365 bps
Net Interest Margin2.63%2.65%2.73%2.64%2.86%+23 bps
Efficiency Ratio106.90%104.29%102.22%91.79%304%+19,705 bps
Growth
Asset Growth (YoY)-3.42%-1.84%-3.15%-1.96%-9.84%-642 bps
Loan Growth (YoY)-10.33%-0.32%3.89%-3.25%-8.83%+150 bps
Share Growth (YoY)-4.21%-2.42%-3.96%-2.42%-2.78%+143 bps
Asset Quality
Delinquent Loans / Loans5.16%5.47%5.57%7.19%5.07%-9 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.55%2.38%1.90%2.05%21.26%+1,871 bps
Capital
Risk-Based Capital22.80%23.08%23.53%23.21%16.04%-676 bps
Net Worth / Assets22.80%23.08%23.53%23.21%16.04%-676 bps
Liquidity & Funding
Loans / Shares46.83%48.70%50.41%46.23%43.91%-291 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps