PackageTrendsPeer
Letter portraitLegal landscape

M H M H C Employees Credit Union

Martinsville, VA · Charter 66915

Q4 1995

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 1995, the quarter ended December 31, 1995, 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

M H M H C Employees Credit Union

Martinsville, VA · Charter 66915

Q4 1995

$738KAssets
$431KLoans
$608KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 5.59%.
  • Asset quality: problem loans at 9.27% of loans.
  • Funding: loans stand at 70.88% of shares as of Q4 1995.

Return on Assets (YTD, annualized)

5.59%

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1994Q4 1994Q2 1995Q4 1995YoY ΔTrend
Earnings
Return on Assets3.49%5.02%6.56%5.59%n/a
Return on Equityn/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/an/an/a
Loan Growth (YoY)n/an/an/an/an/an/a
Share Growth (YoY)n/an/an/an/an/an/a
Asset Quality
Delinquent Loans / Loans4.44%4.60%4.69%9.27%n/a
Net Charge-Offs / Loansn/an/an/an/an/an/a
Allowance / Loans1.91%1.42%2.73%5.12%n/a
Capital
Risk-Based Capitaln/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares79.14%86.59%85.04%70.88%n/a
Liquid Assets / Assets25.32%22.79%26.01%37.91%n/a