PackageTrendsPeer
Letter portraitLegal landscape

National Geographic Society

Washington, DC · Charter 23643

NCUA · 1 branch

Q2 2018

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: Q2 2018, the quarter ended June 30, 2018, 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

National Geographic Society

Washington, DC · Charter 23643

NCUA · 1 branch

Q2 2018

$12.9MAssets
$5.4MLoans
$11.6MShares
$1.3MNet 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 -0.08%, down 13 bps year over year; NIM at 3.03%.
  • Asset quality: problem loans at 0.74% of loans (+74 bps YoY).
  • Capital: net worth / assets of 9.88%, down 26 bps from a year ago.
  • Funding: loans stand at 46.08% of shares as of Q2 2018.

Financial Results

Return on Assets (YTD, annualized)

-0.08%-13 bps YoY

Net Interest Margin (YTD, annualized)

3.03%-2 bps YoY

Efficiency Ratio (YTD, annualized)

107.16%-880 bps YoY

Net Worth / Assets

9.88%-26 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2017Q3 2017Q4 2017Q1 2018Q2 2018YoY ΔTrend
Earnings
Return on Assets0.05%0.13%-0.47%-0.16%-0.08%-13 bps
Return on Equity0.49%1.20%-4.43%-1.54%-0.85%-134 bps
Net Interest Margin3.05%3.21%3.33%3.18%3.03%-2 bps
Efficiency Ratio115.96%120.24%123.03%106.42%107.16%-880 bps
Growth
Asset Growth (YoY)-1.43%-3.38%-3.35%-3.06%-2.36%-93 bps
Loan Growth (YoY)-13.96%-16.01%-18.50%-11.29%-11.63%+233 bps
Share Growth (YoY)1.21%-1.73%-3.22%-3.00%-2.07%-329 bps
Asset Quality
Delinquent Loans / Loans0.00%0.75%0.90%2.46%0.74%+74 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.56%2.01%2.41%1.98%1.98%-58 bps
Capital
Risk-Based Capital10.14%10.64%10.51%10.55%9.88%-26 bps
Net Worth / Assets10.14%10.64%10.51%10.55%9.88%-26 bps
Liquidity & Funding
Loans / Shares51.06%50.47%50.62%50.45%46.08%-498 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps