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Seagram Employee

Baltimore, MD · Charter 1812

Q4 2014

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 2014, the quarter ended December 31, 2014, 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

Seagram Employee

Baltimore, MD · Charter 1812

Q4 2014

$4.8MAssets
$944KLoans
$4.1MShares
$723KNet 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 -3.80%, down 286 bps year over year; NIM at 2.16%.
  • Asset quality: problem loans at 0.52% of loans (-501 bps YoY).
  • Capital: net worth / assets of 14.91%, down 240 bps from a year ago.
  • Funding: loans stand at 22.91% of shares as of Q4 2014.

Financial Results

Return on Assets (YTD, annualized)

-3.80%-286 bps YoY

Net Interest Margin (YTD, annualized)

2.16%-34 bps YoY

Efficiency Ratio (YTD, annualized)

152.59%+2,723 bps YoY

Net Worth / Assets

14.91%-240 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014YoY ΔTrend
Earnings
Return on Assets-0.94%-1.92%-1.70%-4.24%-3.80%-286 bps
Return on Equity-5.46%-11.39%-10.63%-28.80%-25.52%-2,006 bps
Net Interest Margin2.50%2.15%2.06%2.12%2.16%-34 bps
Efficiency Ratio125.36%131.11%134.50%140.44%152.59%+2,723 bps
Growth
Asset Growth (YoY)-3.24%-3.65%-0.03%-4.18%-7.52%-428 bps
Loan Growth (YoY)-3.12%-6.08%-18.42%-18.06%-22.77%-1,965 bps
Share Growth (YoY)-2.95%-3.23%1.42%-0.88%-4.81%-186 bps
Asset Quality
Delinquent Loans / Loans5.53%7.92%10.29%2.12%0.52%-501 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.51%1.50%1.40%6.16%4.85%+333 bps
Capital
Risk-Based Capital17.30%16.84%16.00%14.71%14.91%-240 bps
Net Worth / Assets17.30%16.84%16.00%14.71%14.91%-240 bps
Liquidity & Funding
Loans / Shares28.24%25.40%23.41%22.55%22.91%-533 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps