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Norfolk Southern Emp CU., Inc.

Chesapeake, VA · Charter 66916

Q2 2014

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: Q2 2014, the quarter ended June 30, 2014, 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

Norfolk Southern Emp CU., Inc.

Chesapeake, VA · Charter 66916

Q2 2014

$1.9MAssets
$1.7MLoans
$1.8MShares
$0KNet 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 -21.40%, down 1,844 bps year over year; NIM at 5.01%.
  • Asset quality: problem loans at 0.00% of loans (-154 bps YoY).
  • Capital: net worth / assets of 0.00%, down 1,000 bps from a year ago.
  • Funding: loans stand at 93.96% of shares as of Q2 2014.

Financial Results

Return on Assets (YTD, annualized)

-21.40%-1,844 bps YoY

Net Interest Margin (YTD, annualized)

5.01%+99 bps YoY

Efficiency Ratio (YTD, annualized)

330%+20,331 bps YoY

Net Worth / Assets

0.00%-1,000 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2013Q3 2013Q4 2013Q1 2014Q2 2014YoY ΔTrend
Earnings
Return on Assets-2.96%-2.50%-2.65%-6.20%-21.40%-1,844 bps
Return on Equity-29.57%-26.05%-27.77%-72.95%n/an/a
Net Interest Margin4.03%4.03%4.36%4.75%5.01%+99 bps
Efficiency Ratio126.86%127.72%126.07%105.84%330%+20,331 bps
Growth
Asset Growth (YoY)-0.29%2.92%-3.63%-13.45%-16.02%-1,574 bps
Loan Growth (YoY)12.25%2.91%6.16%3.44%-10.65%-2,290 bps
Share Growth (YoY)2.59%5.87%-1.21%-11.23%-13.25%-1,584 bps
Asset Quality
Delinquent Loans / Loans1.54%1.48%1.05%0.71%0.00%-154 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.53%0.53%0.28%2.00%3.08%+255 bps
Capital
Risk-Based Capital10.00%9.60%9.54%8.50%0.00%-1,000 bps
Net Worth / Assets10.00%9.60%9.54%8.50%0.00%-1,000 bps
Liquidity & Funding
Loans / Shares91.22%91.69%97.34%93.90%93.96%+273 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps