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G.B.M.C. Employees

Baltimore, MD · Charter 20924

Q3 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: Q3 2015, the quarter ended September 30, 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

G.B.M.C. Employees

Baltimore, MD · Charter 20924

Q3 2015

$4.6MAssets
$2.3MLoans
$4.3MShares
$253KNet 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 -2.03%, down 43 bps year over year; NIM at 3.04%.
  • Asset quality: problem loans at 5.68% of loans (+218 bps YoY).
  • Capital: net worth / assets of 5.46%, down 161 bps from a year ago.
  • Funding: loans stand at 52.58% of shares as of Q3 2015.

Financial Results

Return on Assets (YTD, annualized)

-2.03%-43 bps YoY

Net Interest Margin (YTD, annualized)

3.04%-51 bps YoY

Efficiency Ratio (YTD, annualized)

143.27%+2,880 bps YoY

Net Worth / Assets

5.46%-161 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets-1.60%-4.98%-1.73%-3.68%-2.03%-43 bps
Return on Equity-22.63%-127.45%-47.91%-156.13%-37.16%-1,453 bps
Net Interest Margin3.55%3.58%3.36%3.23%3.04%-51 bps
Efficiency Ratio114.47%130.61%135.80%177.39%143.27%+2,880 bps
Growth
Asset Growth (YoY)-17.08%-18.80%-23.76%-21.34%-17.21%-13 bps
Loan Growth (YoY)-3.51%-1.87%-9.72%-23.56%-34.00%-3,049 bps
Share Growth (YoY)-16.44%-15.63%-20.98%-17.76%-16.32%+13 bps
Asset Quality
Delinquent Loans / Loans3.51%4.75%5.57%4.79%5.68%+218 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.54%3.77%4.18%2.79%2.16%+62 bps
Capital
Risk-Based Capital7.07%3.91%3.60%2.36%5.46%-161 bps
Net Worth / Assets7.07%3.91%3.60%2.36%5.46%-161 bps
Liquidity & Funding
Loans / Shares66.66%66.75%62.12%54.47%52.58%-1,408 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps