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The-Mac

S. Charleston, WV · Charter 21471

Q1 2011

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 2011, the quarter ended March 31, 2011, 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

The-Mac

S. Charleston, WV · Charter 21471

Q1 2011

$6.6MAssets
$3.2MLoans
$6.1MShares
$494KNet 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 0.02%, up 228 bps year over year; NIM at 4.50%.
  • Asset quality: problem loans at 0.46% of loans (-183 bps YoY).
  • Capital: net worth / assets of 7.44%, up 146 bps from a year ago.
  • Funding: loans stand at 51.62% of shares as of Q1 2011.

Financial Results

Return on Assets (YTD, annualized)

0.02%+228 bps YoY

Net Interest Margin (YTD, annualized)

4.50%+9 bps YoY

Efficiency Ratio (YTD, annualized)

98.18%+2,174 bps YoY

Net Worth / Assets

7.44%+146 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2009Q4 2009Q1 2010Q3 2010Q1 2011YoY ΔTrend
Earnings
Return on Assets-2.26%-2.79%0.42%0.97%0.02%+228 bps
Return on Equity-37.81%-50.78%6.42%13.26%0.27%+3,807 bps
Net Interest Margin4.41%4.76%4.97%5.43%4.50%+9 bps
Efficiency Ratio76.44%78.91%83.99%94.02%98.18%+2,174 bps
Growth
Asset Growth (YoY)-8.03%-14.89%-26.93%-28.03%-22.94%-1,490 bps
Loan Growth (YoY)-25.79%-32.55%-31.92%-37.88%-46.75%-2,096 bps
Share Growth (YoY)-6.04%-12.69%-28.15%-29.45%-24.07%-1,803 bps
Asset Quality
Delinquent Loans / Loans2.28%1.08%0.62%2.34%0.46%-183 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.38%1.00%1.41%3.04%2.98%+160 bps
Capital
Risk-Based Capital5.98%5.48%6.51%7.33%7.44%+146 bps
Net Worth / Assets5.98%5.48%6.51%7.33%7.44%+146 bps
Liquidity & Funding
Loans / Shares73.60%70.11%76.65%65.92%51.62%-2,198 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps