PackageTrendsPeer
Letter portraitLegal landscape

Campbell County Emp Credit Union

Concord, VA · Charter 66909

Q1 2015

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 2015, the quarter ended March 31, 2015, 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

Campbell County Emp Credit Union

Concord, VA · Charter 66909

Q1 2015

$618KAssets
$117KLoans
$558KShares
$59KNet 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 -7.21%, down 662 bps year over year; NIM at 2.39%.
  • Asset quality: problem loans at 12.32% of loans (+407 bps YoY).
  • Capital: net worth / assets of 9.52%, down 197 bps from a year ago.
  • Funding: loans stand at 20.98% of shares as of Q1 2015.

Financial Results

Return on Assets (YTD, annualized)

-7.21%-662 bps YoY

Net Interest Margin (YTD, annualized)

2.39%-15 bps YoY

Efficiency Ratio (YTD, annualized)

130.24%+737 bps YoY

Net Worth / Assets

9.52%-197 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2014Q2 2014Q3 2014Q4 2014Q1 2015YoY ΔTrend
Earnings
Return on Assets-0.59%-0.46%-0.60%-0.75%-7.21%-662 bps
Return on Equity-5.11%-4.08%-5.60%-6.66%-75.68%-7,057 bps
Net Interest Margin2.53%2.63%2.50%2.70%2.39%-15 bps
Efficiency Ratio122.87%117.14%123.48%127.20%130.24%+737 bps
Growth
Asset Growth (YoY)-2.64%-3.29%0.18%0.91%-3.61%-97 bps
Loan Growth (YoY)-7.45%-4.26%-0.40%6.45%4.36%+1,182 bps
Share Growth (YoY)-2.13%-2.92%1.12%1.90%-1.47%+67 bps
Asset Quality
Delinquent Loans / Loans8.25%5.27%11.86%13.57%12.32%+407 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.23%3.09%3.04%2.92%11.63%+840 bps
Capital
Risk-Based Capital11.49%11.24%10.69%11.23%9.52%-197 bps
Net Worth / Assets11.49%11.24%10.69%11.23%9.52%-197 bps
Liquidity & Funding
Loans / Shares19.81%20.33%19.99%22.51%20.98%+117 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps