PackageTrendsPeer
Letter portraitLegal landscape

N E C Co. Columbus Employees

Columbus, OH · Charter 2865

Q2 1999

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 1999, the quarter ended June 30, 1999, 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

N E C Co. Columbus Employees

Columbus, OH · Charter 2865

Q2 1999

$799KAssets
$591KLoans
$731KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 1.24%, down 72 bps year over year.
  • Asset quality: problem loans at 5.23% of loans (-366 bps YoY).
  • Funding: loans stand at 80.77% of shares as of Q2 1999.

Return on Assets (YTD, annualized)

1.24%-72 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ4 1995Q2 1996Q4 1996Q2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets3.16%0.29%-0.72%1.97%1.39%-1.28%-0.85%1.24%-72 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/a-10.00%-12.96%-19.97%-21.03%-14.76%-13.08%-8.96%+1,101 bps
Loan Growth (YoY)n/a34.63%-1.33%-18.47%-28.21%-29.34%-18.43%-19.34%-87 bps
Share Growth (YoY)n/a-10.00%-11.87%-19.91%-19.90%-11.54%-9.81%-3.90%+1,601 bps
Asset Quality
Delinquent Loans / Loans4.84%6.03%5.14%8.89%12.78%14.51%13.62%5.23%-366 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans3.12%2.84%3.16%3.34%3.38%3.44%3.98%2.34%-100 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares112.13%105.98%105.15%96.23%100.50%84.66%95.10%80.77%-1,546 bps
Liquid Assets / Assets2.52%5.61%3.73%9.67%10.05%19.11%9.16%17.62%+796 bps