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Acume

Moorestown, NJ · Charter 66233

NCUA · 1 branch

Q3 2017

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 2017, the quarter ended September 30, 2017, 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

Acume

Moorestown, NJ · Charter 66233

NCUA · 1 branch

Q3 2017

$4.1MAssets
$2.1MLoans
$3.8MShares
$346KNet Worth

Executive Summary

  • Earnings: ROA of -0.87%, down 91 bps year over year; NIM at 3.02%.
  • Asset quality: problem loans at 0.04% of loans (0 bps YoY).
  • Capital: net worth / assets of 8.38%, up 1 bps from a year ago.
  • Funding: loans stand at 56.63% of shares as of Q3 2017.

Return on Assets (YTD, annualized)

-0.87%-91 bps YoY

Net Interest Margin (YTD, annualized)

3.02%-5 bps YoY

Efficiency Ratio (YTD, annualized)

102.57%+637 bps YoY

Net Worth / Assets

8.38%+1 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2015Q1 2016Q2 2016Q3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets0.09%0.20%0.16%0.04%0.02%0.00%0.00%-0.87%-91 bps
Return on Equity1.08%2.37%1.95%0.47%0.19%0.05%0.05%-10.39%-1,086 bps
Net Interest Margin3.17%3.21%3.13%3.07%3.09%2.66%2.79%3.02%-5 bps
Efficiency Ratio104.80%93.89%94.91%96.19%97.54%99.86%99.86%102.57%+637 bps
Growth
Asset Growth (YoY)2.84%2.56%3.13%2.17%1.71%2.92%-0.14%-7.52%-969 bps
Loan Growth (YoY)32.31%17.99%-5.87%-10.05%-11.34%-12.52%-13.33%-5.04%+501 bps
Share Growth (YoY)3.03%2.71%3.25%2.20%1.84%3.21%0.10%-7.44%-963 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.23%0.04%0.06%0.19%0.86%0.04%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.47%0.39%0.41%0.39%0.30%0.33%0.29%0.34%-5 bps
Capital
Risk-Based Capital8.72%8.44%8.43%8.37%8.59%8.17%8.38%8.38%+1 bps
Net Worth / Assets8.72%8.44%8.43%8.37%8.59%8.17%8.38%8.38%+1 bps
Liquidity & Funding
Loans / Shares62.93%58.79%56.53%55.20%54.79%49.83%48.94%56.63%+143 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps