PackageTrendsPeer
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CVPS Employees'

Rutland, VT · Charter 63852

Q1 2012

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 2012, the quarter ended March 31, 2012, 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

CVPS Employees'

Rutland, VT · Charter 63852

Q1 2012

$17.2MAssets
$2.7MLoans
$16.0MShares
$1.3MNet Worth

Executive Summary

  • Earnings: ROA of -1.20%, down 44 bps year over year; NIM at 1.60%.
  • Asset quality: problem loans at 0.00% of loans (-32 bps YoY).
  • Capital: net worth / assets of 7.39%, down 28 bps from a year ago.
  • Funding: loans stand at 16.99% of shares as of Q1 2012.

Return on Assets (YTD, annualized)

-1.20%-44 bps YoY

Net Interest Margin (YTD, annualized)

1.60%+1 bps YoY

Efficiency Ratio (YTD, annualized)

163.37%+2,349 bps YoY

Net Worth / Assets

7.39%-28 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2009Q1 2010Q3 2010Q1 2011Q2 2011Q3 2011Q4 2011Q1 2012YoY ΔTrend
Earnings
Return on Assets-1.31%-0.94%-0.98%-0.76%-0.95%-1.18%-1.17%-1.20%-44 bps
Return on Equity-14.69%-11.08%-11.98%-9.95%-12.32%-15.39%-14.84%-16.22%-627 bps
Net Interest Margin1.85%1.73%1.70%1.60%1.61%1.67%1.75%1.60%+1 bps
Efficiency Ratio120.07%149.82%148.09%139.87%146.01%157.56%154.79%163.37%+2,349 bps
Growth
Asset Growth (YoY)5.67%5.49%0.28%0.50%-2.91%-9.74%-12.25%-10.96%-1,146 bps
Loan Growth (YoY)6.49%5.85%4.85%5.76%6.49%13.62%2.85%-3.32%-908 bps
Share Growth (YoY)8.01%6.93%1.90%2.37%-1.65%-8.87%-11.89%-10.65%-1,302 bps
Asset Quality
Delinquent Loans / Loans0.16%0.00%0.38%0.32%0.00%0.00%0.00%0.00%-32 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.71%0.76%0.16%0.08%0.19%0.21%0.20%0.22%+14 bps
Capital
Risk-Based Capital8.95%8.51%8.21%7.67%7.70%7.70%7.87%7.39%-28 bps
Net Worth / Assets8.95%8.51%8.21%7.67%7.70%7.70%7.87%7.39%-28 bps
Liquidity & Funding
Loans / Shares15.01%13.75%16.13%15.70%16.25%17.14%18.83%16.99%+129 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps