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Novamont Emp.

Kenova, WV · Charter 22697

NCUA · 1 branch

Q1 2023

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 2023, the quarter ended March 31, 2023, 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

Novamont Emp.

Kenova, WV · Charter 22697

NCUA · 1 branch

Q1 2023

$806KAssets
$718KLoans
$609KShares
$195KNet Worth

Executive Summary

  • Earnings: ROA of -5.92%, down 761 bps year over year; NIM at 2.73%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 24.14%, up 959 bps from a year ago.
  • Funding: loans stand at 117.94% of shares as of Q1 2023.

Return on Assets (YTD, annualized)

-5.92%-761 bps YoY

Net Interest Margin (YTD, annualized)

2.73%+63 bps YoY

Efficiency Ratio (YTD, annualized)

310%+28,967 bps YoY

Net Worth / Assets

24.14%+959 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2021Q3 2021Q4 2021Q1 2022Q2 2022Q3 2022Q4 2022Q1 2023YoY ΔTrend
Earnings
Return on Assets0.18%-0.20%-0.29%1.68%0.54%0.41%0.03%-5.92%-761 bps
Return on Equity1.29%-1.42%-2.00%11.57%3.84%2.65%0.16%-24.54%-3,611 bps
Net Interest Margin1.00%0.75%0.73%2.10%1.29%1.46%1.19%2.73%+63 bps
Efficiency Ratio76.61%114.45%125.41%20.49%55.69%68.01%90.62%310%+28,967 bps
Growth
Asset Growth (YoY)9.98%8.81%2.96%3.64%-0.38%-8.11%-10.28%-39.75%-4,338 bps
Loan Growth (YoY)-8.33%-2.89%13.38%24.74%37.09%28.54%2.65%-14.61%-3,935 bps
Share Growth (YoY)11.68%10.39%3.44%4.03%-0.77%-9.86%-12.35%-46.73%-5,077 bps
Asset Quality
Delinquent Loans / Loans0.09%0.46%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans4.69%4.80%3.96%3.96%3.54%3.86%3.98%4.78%+82 bps
Capital
Risk-Based Capital13.87%14.06%14.55%14.55%14.11%15.50%16.46%24.14%+959 bps
Net Worth / Assets13.87%14.06%14.55%14.55%14.11%15.50%16.46%24.14%+959 bps
Liquidity & Funding
Loans / Shares58.79%58.97%75.55%73.57%81.22%84.09%88.48%117.94%+4,437 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps