PackageTrendsPeer
Letter portraitLegal landscape

Mount Zion A M E Church

Trenton, NJ · Charter 18546

Q1 2015

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 2015, the quarter ended March 31, 2015, 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

Mount Zion A M E Church

Trenton, NJ · Charter 18546

Q1 2015

$55KAssets
$2KLoans
$42KShares
$12KNet 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 0.53%, up 163 bps year over year; NIM at 0.56%.
  • Asset quality: problem loans at 32.84% of loans (-2,988 bps YoY).
  • Capital: net worth / assets of 22.75%, down 220 bps from a year ago.
  • Funding: loans stand at 3.98% of shares as of Q1 2015.

Financial Results

Return on Assets (YTD, annualized)

0.53%+163 bps YoY

Net Interest Margin (YTD, annualized)

0.56%-109 bps YoY

Efficiency Ratio (YTD, annualized)

3.95%-16,286 bps YoY

Net Worth / Assets

22.75%-220 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2014Q2 2014Q3 2014Q4 2014Q1 2015YoY ΔTrend
Earnings
Return on Assets-1.10%2.27%-3.06%-5.16%0.53%+163 bps
Return on Equity-4.41%8.60%-13.06%-23.82%2.35%+676 bps
Net Interest Margin1.65%2.15%1.89%1.58%0.56%-109 bps
Efficiency Ratio166.81%-19.22%44.41%231%3.95%-16,286 bps
Growth
Asset Growth (YoY)-8.51%-7.29%-5.98%-4.02%-3.14%+537 bps
Loan Growth (YoY)-52.98%-34.47%-57.33%-73.80%-81.95%-2,896 bps
Share Growth (YoY)-3.31%-2.90%-3.92%-1.16%-0.33%+299 bps
Asset Quality
Delinquent Loans / Loans62.72%31.49%29.76%32.82%32.84%-2,988 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans13.61%16.17%49.36%77.98%135.10%+12,149 bps
Capital
Risk-Based Capital24.96%26.36%23.42%21.68%22.75%-220 bps
Net Worth / Assets24.96%26.36%23.42%21.68%22.75%-220 bps
Liquidity & Funding
Loans / Shares21.97%18.84%10.84%6.52%3.98%-1,799 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps