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Renaissance Community Development C

Somerset, NJ · Charter 68195

NCUA · 1 branch

Q3 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: Q3 2016, the quarter ended September 30, 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

Renaissance Community Development C

Somerset, NJ · Charter 68195

NCUA · 1 branch

Q3 2016

$528KAssets
$292KLoans
$540KShares
$-47KNet 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 -20.29%, down 2,216 bps year over year; NIM at 5.13%.
  • Asset quality: problem loans at 6.51% of loans (+603 bps YoY).
  • Capital: net worth / assets of -8.97%, down 1,454 bps from a year ago.
  • Funding: loans stand at 54.07% of shares as of Q3 2016.

Financial Results

Return on Assets (YTD, annualized)

-20.29%-2,216 bps YoY

Net Interest Margin (YTD, annualized)

5.13%+92 bps YoY

Efficiency Ratio (YTD, annualized)

367%+29,676 bps YoY

Net Worth / Assets

-8.97%-1,454 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets1.87%0.55%-5.64%-6.68%-20.29%-2,216 bps
Return on Equity33.48%11.66%-168.32%-267%n/an/a
Net Interest Margin4.21%4.16%4.15%4.95%5.13%+92 bps
Efficiency Ratio70.65%83.32%202%189.94%367%+29,676 bps
Growth
Asset Growth (YoY)-5.88%-0.03%-7.64%-30.23%-24.43%-1,855 bps
Loan Growth (YoY)-12.27%-18.32%-8.01%-13.12%-20.92%-865 bps
Share Growth (YoY)-5.51%-1.44%-8.64%-28.39%-18.16%-1,265 bps
Asset Quality
Delinquent Loans / Loans0.48%0.00%2.48%1.03%6.51%+603 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.51%3.62%3.69%2.98%3.22%-30 bps
Capital
Risk-Based Capital5.58%4.70%3.35%2.50%-8.97%-1,454 bps
Net Worth / Assets5.58%4.70%3.35%2.50%-8.97%-1,454 bps
Liquidity & Funding
Loans / Shares55.96%53.48%52.48%57.27%54.07%-189 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps