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Hamlet

Hamlet, NC · Charter 21044

NCUA · 2 branches

Q4 2020

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 2020, the quarter ended December 31, 2020, 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

Hamlet

Hamlet, NC · Charter 21044

NCUA · 2 branches

Q4 2020

$18.2MAssets
$6.0MLoans
$17.2MShares
$966KNet 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 0.41%, up 107 bps year over year; NIM at 2.60%.
  • Asset quality: problem loans at 5.24% of loans (+198 bps YoY).
  • Capital: net worth / assets of 5.32%, down 64 bps from a year ago.
  • Funding: loans stand at 34.79% of shares as of Q4 2020.

Financial Results

Return on Assets (YTD, annualized)

0.41%+107 bps YoY

Net Interest Margin (YTD, annualized)

2.60%-160 bps YoY

Efficiency Ratio (YTD, annualized)

105.77%+1,050 bps YoY

Net Worth / Assets

5.32%-64 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2019Q1 2020Q2 2020Q3 2020Q4 2020YoY ΔTrend
Earnings
Return on Assets-0.65%0.29%1.25%0.68%0.41%+107 bps
Return on Equity-10.93%5.00%22.83%12.47%7.77%+1,870 bps
Net Interest Margin4.20%3.47%2.78%2.75%2.60%-160 bps
Efficiency Ratio95.27%93.67%98.78%103.87%105.77%+1,050 bps
Growth
Asset Growth (YoY)-6.21%-6.16%16.93%18.57%21.51%+2,772 bps
Loan Growth (YoY)-24.28%-21.06%-21.64%-24.60%-22.68%+160 bps
Share Growth (YoY)-5.95%-6.09%17.93%19.06%22.49%+2,843 bps
Asset Quality
Delinquent Loans / Loans3.27%3.87%3.82%4.34%5.24%+198 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.97%1.76%2.86%3.08%2.96%0 bps
Capital
Risk-Based Capital5.96%5.79%5.47%5.49%5.32%-64 bps
Net Worth / Assets5.96%5.79%5.47%5.49%5.32%-64 bps
Liquidity & Funding
Loans / Shares55.12%50.32%39.48%37.55%34.79%-2,033 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps