PackageTrendsPeer
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East Carolina University

Greenville, NC · Charter 60143

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

East Carolina University

Greenville, NC · Charter 60143

Q4 2007

$4.5MAssets
$2.3MLoans
$3.8MShares
$706KNet Worth

Executive Summary

  • Earnings: ROA of -7.15%, down 728 bps year over year; NIM at -3.83%.
  • Asset quality: problem loans at 1.38% of loans (-205 bps YoY).
  • Capital: net worth / assets of 15.52%, down 459 bps from a year ago.
  • Funding: loans stand at 59.37% of shares as of Q4 2007.

Return on Assets (YTD, annualized)

-7.15%-728 bps YoY

Net Interest Margin (YTD, annualized)

-3.83%-580 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

15.52%-459 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2006Q2 2006Q3 2006Q4 2006Q1 2007Q2 2007Q3 2007Q4 2007YoY ΔTrend
Earnings
Return on Assets2.00%0.47%1.26%0.12%-0.36%0.02%0.20%-7.15%-728 bps
Return on Equity10.10%2.44%6.04%0.62%-1.72%0.08%0.94%-46.07%-4,669 bps
Net Interest Margin3.87%2.22%3.04%1.97%2.58%2.41%2.56%-3.83%-580 bps
Efficiency Ratio48.27%78.69%58.47%93.66%114.15%99.30%92.04%n/an/a
Growth
Asset Growth (YoY)-4.47%-4.66%-6.47%-7.98%-9.02%-8.25%-5.81%-9.77%-179 bps
Loan Growth (YoY)38.65%34.67%22.79%25.41%-0.54%2.73%2.01%-5.55%-3,095 bps
Share Growth (YoY)-6.08%-6.30%-8.58%-9.92%-11.33%-10.16%-7.62%-4.56%+536 bps
Asset Quality
Delinquent Loans / Loans2.70%2.39%3.19%3.43%0.59%2.21%0.03%1.38%-205 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.39%0.41%0.47%0.54%0.55%0.54%0.52%0.55%+1 bps
Capital
Risk-Based Capital19.80%19.47%20.90%20.11%21.25%21.10%21.84%15.52%-459 bps
Net Worth / Assets19.80%19.47%20.90%20.11%21.25%21.10%21.84%15.52%-459 bps
Liquidity & Funding
Loans / Shares57.01%56.36%58.63%60.00%63.95%64.45%64.74%59.37%-62 bps
Liquid Assets / Assets8.13%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps