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Ccacc

Bethesda, MD · Charter 24136

Q4 2007

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 2007, the quarter ended December 31, 2007, 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

Ccacc

Bethesda, MD · Charter 24136

Q4 2007

$228KAssets
$79KLoans
$204KShares
$21KNet Worth

Executive Summary

  • Earnings: ROA of -0.15%, down 35 bps year over year; NIM at 1.41%.
  • Asset quality: problem loans at 4.28% of loans (+428 bps YoY).
  • Capital: net worth / assets of 9.32%, up 130 bps from a year ago.
  • Funding: loans stand at 38.99% of shares as of Q4 2007.

Return on Assets (YTD, annualized)

-0.15%-35 bps YoY

Net Interest Margin (YTD, annualized)

1.41%+38 bps YoY

Efficiency Ratio (YTD, annualized)

109.71%+2,832 bps YoY

Net Worth / Assets

9.32%+130 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2006Q2 2006Q3 2006Q4 2006Q1 2007Q2 2007Q3 2007Q4 2007YoY ΔTrend
Earnings
Return on Assets1.32%0.30%0.65%0.20%1.15%0.03%0.27%-0.15%-35 bps
Return on Equity15.89%3.88%8.26%2.44%12.30%0.26%2.73%-1.61%-404 bps
Net Interest Margin2.11%1.02%1.39%1.03%2.25%1.40%1.80%1.41%+38 bps
Efficiency Ratio37.77%70.59%53.94%81.38%52.79%98.37%85.88%109.71%+2,832 bps
Growth
Asset Growth (YoY)19.80%5.37%6.71%0.60%-9.61%-19.37%-22.00%-16.30%-1,690 bps
Loan Growth (YoY)-3.05%-17.80%-9.35%-15.01%-13.30%1.72%-23.34%-13.12%+189 bps
Share Growth (YoY)21.25%5.36%6.65%-0.76%-10.75%-20.99%-23.60%-17.27%-1,651 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%1.08%2.99%4.28%+428 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.64%0.71%0.65%0.82%0.74%0.70%0.85%0.94%+12 bps
Capital
Risk-Based Capital8.32%7.78%7.90%8.02%9.35%9.71%9.94%9.32%+130 bps
Net Worth / Assets8.32%7.78%7.90%8.02%9.35%9.71%9.94%9.32%+130 bps
Liquidity & Funding
Loans / Shares48.20%41.38%43.92%37.13%46.82%53.27%44.07%38.99%+186 bps
Liquid Assets / Assets55.04%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps