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Freudenberg-Nok Employees

Bristol, NH · Charter 66305

NCUA · 1 branch

Q4 2022

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: Q4 2022, the quarter ended December 31, 2022, 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

Freudenberg-Nok Employees

Bristol, NH · Charter 66305

NCUA · 1 branch

Q4 2022

$1.6MAssets
$499KLoans
$1.5MShares
$99KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -31.08%, down 2,848 bps year over year; NIM at -25.49%.
  • Asset quality: problem loans at 0.00% of loans (-274 bps YoY).
  • Capital: net worth / assets of 6.13%, down 1,885 bps from a year ago.
  • Funding: loans stand at 32.74% of shares as of Q4 2022.

Financial Results

Return on Assets (YTD, annualized)

-31.08%-2,848 bps YoY

Net Interest Margin (YTD, annualized)

-25.49%-2,740 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

6.13%-1,885 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2021Q1 2022Q2 2022Q3 2022Q4 2022YoY ΔTrend
Earnings
Return on Assets-2.61%-2.53%-38.42%-26.66%-31.08%-2,848 bps
Return on Equity-10.43%-10.21%-748%-562%-507%-49,702 bps
Net Interest Margin1.91%2.32%-34.63%-23.01%-25.49%-2,740 bps
Efficiency Ratio233%209%n/an/an/an/a
Growth
Asset Growth (YoY)-8.89%-12.15%-13.09%-14.25%-32.86%-2,397 bps
Loan Growth (YoY)-30.68%-30.50%-21.94%-28.52%-39.54%-886 bps
Share Growth (YoY)-10.61%-12.22%7.42%6.32%-14.01%-340 bps
Asset Quality
Delinquent Loans / Loans2.74%0.13%0.45%0.41%0.00%-274 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.93%4.33%4.37%5.20%6.50%+257 bps
Capital
Risk-Based Capital24.98%24.74%5.14%4.75%6.13%-1,885 bps
Net Worth / Assets24.98%24.74%5.14%4.75%6.13%-1,885 bps
Liquidity & Funding
Loans / Shares46.57%40.51%31.52%26.85%32.74%-1,382 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps