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Unity Community

Clinton, NC · Charter 68514

Q1 2005

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: Q1 2005, the quarter ended March 31, 2005, 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

Unity Community

Clinton, NC · Charter 68514

Q1 2005

$308KAssets
$233KLoans
$296KShares
$7KNet 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 1.13%, up 3,042 bps year over year; NIM at 4.61%.
  • Asset quality: problem loans at 3.45% of loans (+345 bps YoY).
  • Capital: net worth / assets of 2.39%, up 536 bps from a year ago.
  • Funding: loans stand at 78.58% of shares as of Q1 2005.

Financial Results

Return on Assets (YTD, annualized)

1.13%+3,042 bps YoY

Net Interest Margin (YTD, annualized)

4.61%+801 bps YoY

Efficiency Ratio (YTD, annualized)

94.28%

Net Worth / Assets

2.39%+536 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2004Q2 2004Q3 2004Q4 2004Q1 2005YoY ΔTrend
Earnings
Return on Assets-29.29%-4.76%-1.60%-1.51%1.13%+3,042 bps
Return on Equityn/a-172.13%-75.97%-72.31%47.44%n/a
Net Interest Margin-3.39%-2.31%-0.56%0.57%4.61%+801 bps
Efficiency Ration/a121.40%110.25%106.28%94.28%n/a
Growth
Asset Growth (YoY)n/a-10.52%37.44%27.96%20.08%n/a
Loan Growth (YoY)n/an/an/a12009%1705%n/a
Share Growth (YoY)n/a3.21%49.65%29.77%13.03%n/a
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.82%2.98%3.45%+345 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.53%0.56%+56 bps
Capital
Risk-Based Capital-2.97%2.77%2.11%2.10%2.39%+536 bps
Net Worth / Assets-2.97%2.77%2.11%2.10%2.39%+536 bps
Liquidity & Funding
Loans / Shares4.92%52.85%75.46%80.99%78.58%+7,366 bps
Liquid Assets / Assets81.84%32.76%15.77%8.13%9.44%-7,240 bps