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Nabisco Employees Credit Union

Richmond, VA · Charter 66957

NCUA · 1 branch

Q4 2016

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 2016, the quarter ended December 31, 2016, 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

Nabisco Employees Credit Union

Richmond, VA · Charter 66957

NCUA · 1 branch

Q4 2016

$5.4MAssets
$2.7MLoans
$4.3MShares
$1.0MNet 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 -1.30%, up 29 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 1.73% of loans (-106 bps YoY).
  • Capital: net worth / assets of 19.05%, down 112 bps from a year ago.
  • Funding: loans stand at 63.27% of shares as of Q4 2016.

Financial Results

Return on Assets (YTD, annualized)

-1.30%+29 bps YoY

Net Interest Margin (YTD, annualized)

3.53%+81 bps YoY

Efficiency Ratio (YTD, annualized)

129.13%-1,727 bps YoY

Net Worth / Assets

19.05%-112 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2015Q1 2016Q2 2016Q3 2016Q4 2016YoY ΔTrend
Earnings
Return on Assets-1.60%-0.30%-0.17%-0.03%-1.30%+29 bps
Return on Equity-7.91%-1.49%-0.86%-0.16%-6.84%+107 bps
Net Interest Margin2.72%3.13%3.30%3.47%3.53%+81 bps
Efficiency Ratio146.40%107.67%104.06%100.71%129.13%-1,727 bps
Growth
Asset Growth (YoY)-5.74%-2.80%0.18%-1.17%-1.44%+429 bps
Loan Growth (YoY)48.31%53.33%38.57%38.49%39.69%-863 bps
Share Growth (YoY)-4.70%-1.04%1.45%-0.77%-0.65%+405 bps
Asset Quality
Delinquent Loans / Loans2.78%4.66%3.51%3.37%1.73%-106 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans9.64%9.92%8.65%7.36%5.08%-456 bps
Capital
Risk-Based Capital20.18%19.94%19.83%19.88%19.05%-112 bps
Net Worth / Assets20.18%19.94%19.83%19.88%19.05%-112 bps
Liquidity & Funding
Loans / Shares45.00%45.16%51.05%57.25%63.27%+1,827 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps