PackageTrendsPeer
Letter portraitLegal landscape

Municipal Thrift Club

Concord, NC · Charter 60653

Q3 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: Q3 2007, the quarter ended September 30, 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

Municipal Thrift Club

Concord, NC · Charter 60653

Q3 2007

$3.7MAssets
$2.8MLoans
$3.3MShares
$368KNet Worth

Executive Summary

  • Earnings: ROA of 0.00%, down 8 bps year over year; NIM at 5.88%.
  • Asset quality: problem loans at 1.59% of loans (+133 bps YoY).
  • Capital: net worth / assets of 9.95%, down 5 bps from a year ago.
  • Funding: loans stand at 84.65% of shares as of Q3 2007.

Return on Assets (YTD, annualized)

0.00%-8 bps YoY

Net Interest Margin (YTD, annualized)

5.88%+4 bps YoY

Efficiency Ratio (YTD, annualized)

99.50%+381 bps YoY

Net Worth / Assets

9.95%-5 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2005Q1 2006Q2 2006Q3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets0.04%0.29%0.06%0.07%0.22%0.91%0.23%0.00%-8 bps
Return on Equity0.44%2.96%0.57%0.73%2.07%8.53%2.24%-0.05%-78 bps
Net Interest Margin6.26%5.99%5.70%5.84%6.35%6.26%5.92%5.88%+4 bps
Efficiency Ratio88.42%92.08%96.16%95.69%92.46%86.52%95.58%99.50%+381 bps
Growth
Asset Growth (YoY)-17.09%-6.29%-2.47%-1.77%-7.29%-6.44%0.01%2.45%+422 bps
Loan Growth (YoY)0.24%0.71%-3.65%-1.16%-4.29%-3.00%-3.48%-6.96%-580 bps
Share Growth (YoY)-22.64%-6.73%-2.70%-1.78%-4.09%-7.33%0.00%1.82%+360 bps
Asset Quality
Delinquent Loans / Loans0.42%0.09%0.54%0.26%0.00%0.75%1.10%1.59%+133 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.16%0.28%0.36%0.37%0.28%0.35%0.45%0.49%+12 bps
Capital
Risk-Based Capital9.58%9.62%9.80%9.99%10.52%10.62%10.11%9.95%-5 bps
Net Worth / Assets9.58%9.62%9.80%9.99%10.52%10.62%10.11%9.95%-5 bps
Liquidity & Funding
Loans / Shares99.22%89.95%90.78%92.64%99.02%94.15%87.63%84.65%-799 bps
Liquid Assets / Assets6.92%11.13%0.00%0.00%0.00%0.00%0.00%0.00%0 bps