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Tank Line

Greensboro, NC · Charter 17149

Q3 2005

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 2005, the quarter ended September 30, 2005, 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

Tank Line

Greensboro, NC · Charter 17149

Q3 2005

$1.0MAssets
$801KLoans
$614KShares
$421KNet 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 0.76%, up 8 bps year over year; NIM at 8.06%.
  • Asset quality: problem loans at 4.28% of loans (-225 bps YoY).
  • Capital: net worth / assets of 40.67%, up 422 bps from a year ago.
  • Funding: loans stand at 130.38% of shares as of Q3 2005.

Financial Results

Return on Assets (YTD, annualized)

0.76%+8 bps YoY

Net Interest Margin (YTD, annualized)

8.06%+89 bps YoY

Efficiency Ratio (YTD, annualized)

94.37%+1,090 bps YoY

Net Worth / Assets

40.67%+422 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets0.68%0.57%1.29%0.80%0.76%+8 bps
Return on Equity1.86%1.56%3.58%2.21%1.87%+1 bps
Net Interest Margin7.17%6.91%5.80%5.85%8.06%+89 bps
Efficiency Ratio83.47%86.34%91.26%93.67%94.37%+1,090 bps
Growth
Asset Growth (YoY)-16.70%-16.11%-7.93%-4.06%-11.47%+522 bps
Loan Growth (YoY)-16.97%-18.28%-16.40%-15.43%-8.23%+874 bps
Share Growth (YoY)-24.40%-23.76%-12.58%-7.02%-17.26%+714 bps
Asset Quality
Delinquent Loans / Loans6.53%4.30%2.35%5.81%4.28%-225 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.86%0.77%0.72%0.59%0.66%-20 bps
Capital
Risk-Based Capital36.45%36.40%36.16%36.39%40.67%+422 bps
Net Worth / Assets36.45%36.40%36.16%36.39%40.67%+422 bps
Liquidity & Funding
Loans / Shares117.55%111.81%109.98%111.99%130.38%+1,283 bps
Liquid Assets / Assets23.63%27.38%27.61%26.83%21.26%-237 bps