PackageTrendsPeer
Letter portraitLegal landscape

CCC Martinsville Emp Credit Union

Martinsville,, VA · Charter 66891

Q3 2013

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 2013, the quarter ended September 30, 2013, 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 2026-10-10

CCC Martinsville Emp Credit Union

Martinsville,, VA · Charter 66891

Q3 2013

$666KAssets
$161KLoans
$590KShares
$76KNet 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 -1.45%, down 39 bps year over year; NIM at 2.67%.
  • Asset quality: problem loans at 22.01% of loans (-1,125 bps YoY).
  • Capital: net worth / assets of 11.37%, down 166 bps from a year ago.
  • Funding: loans stand at 27.25% of shares as of Q3 2013.

Financial Results

Return on Assets (YTD, annualized)

-1.45%-39 bps YoY

Net Interest Margin (YTD, annualized)

2.67%-11 bps YoY

Efficiency Ratio (YTD, annualized)

154.05%+1,602 bps YoY

Net Worth / Assets

11.37%-166 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2012Q4 2012Q1 2013Q2 2013Q3 2013YoY ΔTrend
Earnings
Return on Assets-1.06%-2.86%-0.84%-1.30%-1.45%-39 bps
Return on Equity-8.13%-22.80%-6.94%-11.14%-12.75%-461 bps
Net Interest Margin2.79%2.84%3.48%2.99%2.67%-11 bps
Efficiency Ratio138.03%152.77%123.87%143.32%154.05%+1,602 bps
Growth
Asset Growth (YoY)-16.49%-22.40%-21.62%-15.38%-9.63%+686 bps
Loan Growth (YoY)-25.51%-32.13%-21.58%-32.70%-23.67%+184 bps
Share Growth (YoY)-17.39%-22.92%-22.16%-14.88%-7.90%+949 bps
Asset Quality
Delinquent Loans / Loans33.26%38.39%0.00%10.95%22.01%-1,125 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans6.28%11.74%1.66%1.98%1.89%-439 bps
Capital
Risk-Based Capital13.03%12.52%12.06%11.69%11.37%-166 bps
Net Worth / Assets13.03%12.52%12.06%11.69%11.37%-166 bps
Liquidity & Funding
Loans / Shares32.88%32.67%30.79%25.82%27.25%-563 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps