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American Hammered

Baltimore, MD · Charter 5661

NCUA · 1 branch

Q4 2019

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 2019, the quarter ended December 31, 2019, 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

American Hammered

Baltimore, MD · Charter 5661

NCUA · 1 branch

Q4 2019

$4.2MAssets
$1.4MLoans
$3.5MShares
$651KNet 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 0.10%, down 7 bps year over year; NIM at 3.70%.
  • Asset quality: problem loans at 0.45% of loans (-183 bps YoY).
  • Capital: net worth / assets of 15.44%, up 230 bps from a year ago.
  • Funding: loans stand at 39.41% of shares as of Q4 2019.

Financial Results

Return on Assets (YTD, annualized)

0.10%-7 bps YoY

Net Interest Margin (YTD, annualized)

3.70%+73 bps YoY

Efficiency Ratio (YTD, annualized)

97.49%+280 bps YoY

Net Worth / Assets

15.44%+230 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2018Q1 2019Q2 2019Q3 2019Q4 2019YoY ΔTrend
Earnings
Return on Assets0.17%0.40%0.39%0.39%0.10%-7 bps
Return on Equity1.27%2.87%2.68%2.61%0.62%-65 bps
Net Interest Margin2.97%3.52%3.56%3.64%3.70%+73 bps
Efficiency Ratio94.69%89.00%89.50%89.66%97.49%+280 bps
Growth
Asset Growth (YoY)9.21%1.53%-2.28%-7.13%-14.36%-2,358 bps
Loan Growth (YoY)12.51%5.08%-3.94%-4.88%-10.39%-2,290 bps
Share Growth (YoY)10.58%1.36%-3.28%-8.72%-16.86%-2,744 bps
Asset Quality
Delinquent Loans / Loans2.28%0.20%1.14%1.18%0.45%-183 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.27%1.41%1.32%1.29%1.45%+18 bps
Capital
Risk-Based Capital13.14%13.91%14.42%14.95%15.44%+230 bps
Net Worth / Assets13.14%13.91%14.42%14.95%15.44%+230 bps
Liquidity & Funding
Loans / Shares36.56%35.06%36.91%39.09%39.41%+285 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps