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Nupath Community

Wyandotte, MI · Charter 68630

Q1 2015

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 2015, the quarter ended March 31, 2015, 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

Nupath Community

Wyandotte, MI · Charter 68630

Q1 2015

$106.5MAssets
$41.2MLoans
$95.6MShares
$9.7MNet Worth

Executive Summary

  • Earnings: ROA of -4.84%, down 475 bps year over year; NIM at 3.07%.
  • Asset quality: problem loans at 1.04% of loans (+39 bps YoY).
  • Capital: net worth / assets of 9.13%, down 13 bps from a year ago.
  • Funding: loans stand at 43.07% of shares as of Q1 2015.

Return on Assets (YTD, annualized)

-4.84%-475 bps YoY

Net Interest Margin (YTD, annualized)

3.07%+22 bps YoY

Efficiency Ratio (YTD, annualized)

206%+10,904 bps YoY

Net Worth / Assets

9.13%-13 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2013Q3 2013Q4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015YoY ΔTrend
Earnings
Return on Assets0.11%0.12%0.14%-0.10%-0.32%-0.14%-0.04%-4.84%-475 bps
Return on Equity1.12%1.23%1.39%-1.05%-3.40%-1.42%-0.40%-53.07%-5,202 bps
Net Interest Margin2.90%2.88%2.91%2.85%2.97%3.14%2.84%3.07%+22 bps
Efficiency Ratio95.29%93.78%93.93%97.21%103.62%100.58%99.25%206%+10,904 bps
Growth
Asset Growth (YoY)n/an/a3.82%1.54%1.87%-1.99%12.63%9.40%+786 bps
Loan Growth (YoY)n/an/a-5.97%-6.02%-3.95%-1.97%12.36%11.15%+1,718 bps
Share Growth (YoY)n/an/a3.15%1.01%1.69%-6.26%11.48%7.93%+692 bps
Asset Quality
Delinquent Loans / Loans2.59%1.80%1.46%0.65%1.55%1.88%0.73%1.04%+39 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.59%1.66%1.56%1.62%1.67%1.58%1.96%1.17%-45 bps
Capital
Risk-Based Capital9.74%9.67%9.76%9.26%9.48%9.86%10.56%9.13%-13 bps
Net Worth / Assets9.74%9.67%9.76%9.26%9.48%9.86%10.56%9.13%-13 bps
Liquidity & Funding
Loans / Shares45.86%45.60%45.43%41.82%43.32%47.69%45.79%43.07%+125 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps