PackageTrendsPeer
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N.C.M.C.

East Meadow, NY · Charter 20809

Q4 2000

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 2000, the quarter ended December 31, 2000, 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.C.M.C.

East Meadow, NY · Charter 20809

Q4 2000

$4.3MAssets
$1.6MLoans
$3.8MShares
$546KNet Worth

Executive Summary

  • Earnings: ROA of 0.79%, down 277 bps year over year; NIM at 5.59%.
  • Asset quality: problem loans at 0.72% of loans (+41 bps YoY).
  • Capital: net worth / assets of 12.63%.
  • Funding: loans stand at 42.75% of shares as of Q4 2000.

Return on Assets (YTD, annualized)

0.79%-277 bps YoY

Net Interest Margin (YTD, annualized)

5.59%

Efficiency Ratio (YTD, annualized)

87.69%

Net Worth / Assets

12.63%
n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets3.46%3.98%3.45%3.56%2.72%0.15%0.77%0.79%-277 bps
Return on Equityn/an/an/an/an/an/an/a6.25%n/an/a
Net Interest Marginn/an/an/an/an/a3.61%4.82%5.59%n/a
Efficiency Ration/an/an/an/an/a96.44%86.08%87.69%n/a
Growth
Asset Growth (YoY)4.99%1.54%0.77%1.33%2.18%3.16%5.15%4.87%+354 bps
Loan Growth (YoY)12.40%16.24%5.36%-2.58%-11.72%0.22%11.80%22.29%+2,487 bps
Share Growth (YoY)2.67%-1.06%-1.41%-0.01%1.31%3.03%6.22%5.37%+538 bps
Asset Quality
Delinquent Loans / Loans0.99%1.08%0.94%0.31%0.93%2.28%0.85%0.72%+41 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans5.55%4.58%4.71%4.80%5.33%4.22%4.39%4.01%-79 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a12.63%n/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a12.63%n/an/a
Liquidity & Funding
Loans / Shares34.35%39.19%34.22%36.84%29.93%38.12%36.02%42.75%+591 bps
Liquid Assets / Assets29.55%34.55%39.60%32.47%29.07%33.98%7.28%55.41%+2,294 bps