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Newport News Neighborhood

Newport News, VA · Charter 19082

Q4 2012

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 2012, the quarter ended December 31, 2012, 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

Newport News Neighborhood

Newport News, VA · Charter 19082

Q4 2012

$322KAssets
$24KLoans
$260KShares
$46KNet 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 0.49%, down 117 bps year over year; NIM at 1.08%.
  • Asset quality: problem loans at 0.00% of loans (-427 bps YoY).
  • Capital: net worth / assets of 14.27%, up 85 bps from a year ago.
  • Funding: loans stand at 9.13% of shares as of Q4 2012.

Financial Results

Return on Assets (YTD, annualized)

0.49%-117 bps YoY

Net Interest Margin (YTD, annualized)

1.08%-16 bps YoY

Efficiency Ratio (YTD, annualized)

70.92%+7,092 bps YoY

Net Worth / Assets

14.27%+85 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2011Q1 2012Q2 2012Q3 2012Q4 2012YoY ΔTrend
Earnings
Return on Assets1.65%1.83%3.36%1.98%0.49%-117 bps
Return on Equity12.32%13.95%23.18%14.01%3.41%-891 bps
Net Interest Margin1.24%1.48%1.16%1.06%1.08%-16 bps
Efficiency Ratio0.00%0.00%120.46%0.00%70.92%+7,092 bps
Growth
Asset Growth (YoY)-3.93%1.82%1.25%0.78%0.49%+442 bps
Loan Growth (YoY)-23.02%-17.05%-16.05%3.13%-20.51%+251 bps
Share Growth (YoY)-7.07%0.66%-0.28%-0.21%0.83%+790 bps
Asset Quality
Delinquent Loans / Loans4.27%2.25%2.28%0.00%0.00%-427 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans19.46%21.44%1.29%1.85%3.42%-1,604 bps
Capital
Risk-Based Capital13.42%13.10%14.48%14.16%14.27%+85 bps
Net Worth / Assets13.42%13.10%14.48%14.16%14.27%+85 bps
Liquidity & Funding
Loans / Shares11.59%10.89%8.64%10.21%9.13%-245 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps