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Eastern Maine Medical Center

Bangor, ME · Charter 23310

NCUA · 3 branches

Q3 2017

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 2017, the quarter ended September 30, 2017, 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

Eastern Maine Medical Center

Bangor, ME · Charter 23310

NCUA · 3 branches

Q3 2017

$49.8MAssets
$20.4MLoans
$44.7MShares
$5.1MNet 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 0.25%, down 24 bps year over year; NIM at 2.29%.
  • Asset quality: problem loans at 0.57% of loans (+48 bps YoY).
  • Capital: net worth / assets of 10.18%, up 44 bps from a year ago.
  • Funding: loans stand at 45.68% of shares as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

0.25%-24 bps YoY

Net Interest Margin (YTD, annualized)

2.29%+10 bps YoY

Efficiency Ratio (YTD, annualized)

89.12%+424 bps YoY

Net Worth / Assets

10.18%+44 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets0.50%0.47%0.21%0.12%0.25%-24 bps
Return on Equity5.10%4.71%2.14%1.26%2.50%-260 bps
Net Interest Margin2.19%2.23%2.10%2.14%2.29%+10 bps
Efficiency Ratio84.89%85.98%90.93%91.84%89.12%+424 bps
Growth
Asset Growth (YoY)7.80%1.30%2.10%3.22%-1.63%-944 bps
Loan Growth (YoY)-8.79%-6.88%-8.42%-5.76%-10.04%-125 bps
Share Growth (YoY)8.45%1.05%1.88%3.20%-2.06%-1,052 bps
Asset Quality
Delinquent Loans / Loans0.09%0.38%0.46%0.11%0.57%+48 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.30%0.31%0.35%0.20%0.25%-5 bps
Capital
Risk-Based Capital9.74%10.05%9.63%9.65%10.18%+44 bps
Net Worth / Assets9.74%10.05%9.63%9.65%10.18%+44 bps
Liquidity & Funding
Loans / Shares49.73%50.49%45.91%45.62%45.68%-405 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps