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North Dade Community Development

Miami, FL · Charter 24593

Q4 2014

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 2014, the quarter ended December 31, 2014, 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

North Dade Community Development

Miami, FL · Charter 24593

Q4 2014

$3.0MAssets
$433KLoans
$2.8MShares
$244KNet Worth

Executive Summary

  • Earnings: ROA of -22.41%, down 3,113 bps year over year; NIM at 1.16%.
  • Asset quality: problem loans at 0.56% of loans (-623 bps YoY).
  • Capital: net worth / assets of 8.13%, down 1,288 bps from a year ago.
  • Funding: loans stand at 15.70% of shares as of Q4 2014.

Return on Assets (YTD, annualized)

-22.41%-3,113 bps YoY

Net Interest Margin (YTD, annualized)

1.16%+5 bps YoY

Efficiency Ratio (YTD, annualized)

932%+87,430 bps YoY

Net Worth / Assets

8.13%-1,288 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2013Q2 2013Q3 2013Q4 2013Q1 2014Q2 2014Q3 2014Q4 2014YoY ΔTrend
Earnings
Return on Assets3.39%4.50%6.91%8.72%-10.88%-10.21%-10.90%-22.41%-3,113 bps
Return on Equity29.01%37.92%38.60%41.48%-60.49%-57.75%-64.57%-276%-31,714 bps
Net Interest Margin0.97%0.86%0.88%1.12%0.83%0.88%0.95%1.16%+5 bps
Efficiency Ratio71.55%64.54%57.70%57.61%677%606%597%932%+87,430 bps
Growth
Asset Growth (YoY)21.19%43.11%18.00%-18.48%-13.79%-30.64%-36.74%-31.95%-1,347 bps
Loan Growth (YoY)-15.82%-16.76%-7.51%-15.01%-13.22%-3.93%-10.05%-10.07%+495 bps
Share Growth (YoY)12.65%42.37%9.55%-28.35%-21.64%-35.01%-37.04%-20.56%+778 bps
Asset Quality
Delinquent Loans / Loans2.08%0.69%3.99%6.79%0.17%0.00%1.01%0.56%-623 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans4.32%4.10%4.83%8.85%6.68%6.00%5.87%5.35%-350 bps
Capital
Risk-Based Capital11.70%11.86%17.90%21.01%17.99%17.68%16.88%8.13%-1,288 bps
Net Worth / Assets11.70%11.86%17.90%21.01%17.99%17.68%16.88%8.13%-1,288 bps
Liquidity & Funding
Loans / Shares11.27%9.38%10.55%13.86%12.48%13.86%15.07%15.70%+183 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps