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New Hope Community Development

Birmingham, AL · Charter 24591

Q3 2009

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 2009, the quarter ended September 30, 2009, 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

New Hope Community Development

Birmingham, AL · Charter 24591

Q3 2009

$1.2MAssets
$797KLoans
$1.1MShares
$-4KNet 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 -0.50%, up 915 bps year over year; NIM at 6.40%.
  • Asset quality: problem loans at 13.19% of loans (+1,143 bps YoY).
  • Capital: net worth / assets of -0.38%, down 305 bps from a year ago.
  • Funding: loans stand at 72.64% of shares as of Q3 2009.

Financial Results

Return on Assets (YTD, annualized)

-0.50%+915 bps YoY

Net Interest Margin (YTD, annualized)

6.40%+177 bps YoY

Efficiency Ratio (YTD, annualized)

102.19%-1,330 bps YoY

Net Worth / Assets

-0.38%-305 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2008Q4 2008Q1 2009Q2 2009Q3 2009YoY ΔTrend
Earnings
Return on Assets-9.65%-9.43%-5.70%-1.99%-0.50%+915 bps
Return on Equity-360%-424%-635%-175.41%n/an/a
Net Interest Margin4.63%3.77%3.67%4.54%6.40%+177 bps
Efficiency Ratio115.49%134.50%128.59%106.86%102.19%-1,330 bps
Growth
Asset Growth (YoY)-2.01%-21.47%-21.17%-21.03%-19.98%-1,797 bps
Loan Growth (YoY)-10.42%-11.71%-5.01%3.97%-1.25%+917 bps
Share Growth (YoY)10.48%-12.26%-14.80%-16.13%-23.53%-3,401 bps
Asset Quality
Delinquent Loans / Loans1.75%0.24%0.22%2.44%13.19%+1,143 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans5.99%6.75%7.03%6.58%7.10%+111 bps
Capital
Risk-Based Capital2.68%2.23%0.90%1.13%-0.38%-305 bps
Net Worth / Assets2.68%2.23%0.90%1.13%-0.38%-305 bps
Liquidity & Funding
Loans / Shares56.24%59.98%63.63%70.07%72.64%+1,639 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps