PackageTrendsPeer
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National Carbon Employees C. U.

Anmoore, WV · Charter 68114

Q2 2001

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 2001, the quarter ended June 30, 2001, 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

National Carbon Employees C. U.

Anmoore, WV · Charter 68114

Q2 2001

$2.0MAssets
$1.0MLoans
$1.8MShares
$232KNet Worth

Executive Summary

  • Earnings: ROA of 0.35%, down 465 bps year over year; NIM at 3.83%.
  • Asset quality: problem loans at 0.00% of loans (-279 bps YoY).
  • Capital: net worth / assets of 11.53%.
  • Funding: loans stand at 56.92% of shares as of Q2 2001.

Return on Assets (YTD, annualized)

0.35%-465 bps YoY

Net Interest Margin (YTD, annualized)

3.83%

Efficiency Ratio (YTD, annualized)

85.99%

Net Worth / Assets

11.53%

Year to date, annualized, through each quarter.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001YoY ΔTrend
Earnings
Return on Assets5.18%5.00%5.62%5.00%0.51%1.15%0.45%0.35%-465 bps
Return on Equityn/an/an/an/an/an/a4.17%3.01%n/a
Net Interest Marginn/an/an/an/a3.96%4.53%3.92%3.83%n/a
Efficiency Ration/an/an/an/a66.99%64.27%74.68%85.99%n/a
Growth
Asset Growth (YoY)3.63%7.77%2.78%-1.99%-3.13%-13.17%-15.79%-19.45%-1,746 bps
Loan Growth (YoY)8.11%19.82%6.31%5.28%-18.54%-26.45%-26.41%-27.64%-3,292 bps
Share Growth (YoY)3.33%7.43%3.04%-2.81%-3.97%-14.90%-17.80%-21.32%-1,851 bps
Asset Quality
Delinquent Loans / Loans0.35%0.42%1.78%2.79%5.26%1.17%0.88%0.00%-279 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.18%2.14%4.81%4.94%6.63%5.46%4.87%3.99%-96 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/a10.82%11.53%n/a
Net Worth / Assetsn/an/an/an/an/an/a10.82%11.53%n/a
Liquidity & Funding
Loans / Shares68.18%63.37%62.90%61.89%57.84%54.76%56.31%56.92%-497 bps
Liquid Assets / Assets16.32%11.05%19.78%19.84%20.93%10.63%18.61%39.37%+1,952 bps