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United Community

Barre, VT · Charter 63696

Q1 2010

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: Q1 2010, the quarter ended March 31, 2010, 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

United Community

Barre, VT · Charter 63696

Q1 2010

$41.0MAssets
$17.2MLoans
$35.7MShares
$5.2MNet Worth

Executive Summary

  • Earnings: ROA of 0.90%, up 352 bps year over year; NIM at 2.85%.
  • Asset quality: problem loans at 0.85% of loans (-4 bps YoY).
  • Capital: net worth / assets of 12.78%, up 30 bps from a year ago.
  • Funding: loans stand at 47.99% of shares as of Q1 2010.

Return on Assets (YTD, annualized)

0.90%+352 bps YoY

Net Interest Margin (YTD, annualized)

2.85%-6 bps YoY

Efficiency Ratio (YTD, annualized)

73.71%-1,162 bps YoY

Net Worth / Assets

12.78%+30 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2008Q3 2008Q4 2008Q1 2009Q2 2009Q3 2009Q4 2009Q1 2010YoY ΔTrend
Earnings
Return on Assets1.17%1.09%1.11%-2.63%0.59%0.66%0.57%0.90%+352 bps
Return on Equity8.77%8.11%8.12%-21.05%4.44%4.97%4.34%7.01%+2,806 bps
Net Interest Margin3.20%3.16%3.16%2.91%3.04%3.03%2.98%2.85%-6 bps
Efficiency Ratio72.15%72.54%71.40%85.33%77.27%76.43%69.29%73.71%-1,162 bps
Growth
Asset Growth (YoY)13.67%13.31%13.36%12.46%6.88%7.99%9.97%9.40%-305 bps
Loan Growth (YoY)-3.70%-5.98%-5.94%-8.71%-5.93%-3.22%-4.13%-3.28%+543 bps
Share Growth (YoY)14.04%13.91%14.15%14.00%6.78%8.17%10.85%9.32%-468 bps
Asset Quality
Delinquent Loans / Loans0.61%0.63%1.08%0.89%0.87%0.65%0.84%0.85%-4 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.23%0.17%0.27%0.25%0.27%0.25%0.26%0.26%+1 bps
Capital
Risk-Based Capital13.33%13.48%13.73%12.48%13.27%13.26%13.05%12.78%+30 bps
Net Worth / Assets13.33%13.48%13.73%12.48%13.27%13.26%13.05%12.78%+30 bps
Liquidity & Funding
Loans / Shares62.73%61.43%59.97%54.24%55.26%54.96%51.87%47.99%-625 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps