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Ecusta

Pisgah Forest, NC · Charter 63663

NCUA · 1 branch

Q3 2023

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 2023, the quarter ended September 30, 2023, 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

Ecusta

Pisgah Forest, NC · Charter 63663

NCUA · 1 branch

Q3 2023

$75.2MAssets
$26.5MLoans
$67.5MShares
$7.8MNet Worth

Executive Summary

  • Earnings: ROA of 0.14%, up 37 bps year over year; NIM at 3.16%.
  • Asset quality: problem loans at 2.83% of loans (+197 bps YoY).
  • Capital: net worth / assets of 10.38%, up 116 bps from a year ago.
  • Funding: loans stand at 39.22% of shares as of Q3 2023.

Return on Assets (YTD, annualized)

0.14%+37 bps YoY

Net Interest Margin (YTD, annualized)

3.16%+77 bps YoY

Efficiency Ratio (YTD, annualized)

83.65%-489 bps YoY

Net Worth / Assets

10.38%+116 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2021Q1 2022Q2 2022Q3 2022Q4 2022Q1 2023Q2 2023Q3 2023YoY ΔTrend
Earnings
Return on Assets0.26%-1.03%0.09%-0.23%-0.07%-0.34%-0.70%0.14%+37 bps
Return on Equity2.65%-11.07%0.97%-2.54%-0.67%-3.55%-7.30%1.32%+387 bps
Net Interest Margin2.31%1.96%2.30%2.39%2.49%1.96%2.43%3.16%+77 bps
Efficiency Ratio87.17%121.73%78.79%88.54%85.49%112.56%112.88%83.65%-489 bps
Growth
Asset Growth (YoY)12.68%8.62%7.63%7.98%1.61%-1.79%-3.17%-8.29%-1,627 bps
Loan Growth (YoY)-10.65%-9.00%-9.58%-7.12%-0.81%9.22%13.13%22.78%+2,991 bps
Share Growth (YoY)13.12%9.57%7.98%8.57%2.19%-1.90%-2.70%-8.77%-1,735 bps
Asset Quality
Delinquent Loans / Loans1.40%0.85%0.99%0.87%1.36%1.38%1.96%2.83%+197 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.52%0.59%1.16%1.20%1.23%0.99%0.00%0.00%-120 bps
Capital
Risk-Based Capital9.82%9.27%9.62%9.22%9.69%9.64%9.56%10.38%+116 bps
Net Worth / Assets9.82%9.27%9.62%9.22%9.69%9.64%9.56%10.38%+116 bps
Liquidity & Funding
Loans / Shares31.60%29.58%29.84%29.14%30.67%32.93%34.69%39.22%+1,008 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps