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Motor Club of America

Paramus, NJ · Charter 9414

Q3 2009

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 2009, the quarter ended September 30, 2009, 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

Motor Club of America

Paramus, NJ · Charter 9414

Q3 2009

$693KAssets
$323KLoans
$447KShares
$244KNet 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 -20.34%, down 1,493 bps year over year; NIM at -12.75%.
  • Asset quality: problem loans at 15.07% of loans (+1,199 bps YoY).
  • Capital: net worth / assets of 35.16%, down 1,458 bps from a year ago.
  • Funding: loans stand at 72.26% of shares as of Q3 2009.

Financial Results

Return on Assets (YTD, annualized)

-20.34%-1,493 bps YoY

Net Interest Margin (YTD, annualized)

-12.75%-1,634 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

35.16%-1,458 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2008Q4 2008Q1 2009Q2 2009Q3 2009YoY ΔTrend
Earnings
Return on Assets-5.41%-6.23%-2.97%-3.48%-20.34%-1,493 bps
Return on Equity-10.88%-12.76%-6.15%-7.26%-57.85%-4,697 bps
Net Interest Margin3.59%2.50%3.22%3.27%-12.75%-1,634 bps
Efficiency Ratio156.91%237%182.23%196.50%n/an/a
Growth
Asset Growth (YoY)-20.64%-17.27%-12.02%-11.04%-5.37%+1,527 bps
Loan Growth (YoY)-10.45%-13.60%2.49%-12.61%1.38%+1,183 bps
Share Growth (YoY)-29.86%-22.99%-16.39%-14.32%21.91%+5,177 bps
Asset Quality
Delinquent Loans / Loans3.08%3.24%4.19%16.45%15.07%+1,199 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.17%6.69%7.23%7.22%6.68%+251 bps
Capital
Risk-Based Capital49.73%48.81%48.33%47.94%35.16%-1,458 bps
Net Worth / Assets49.73%48.81%48.33%47.94%35.16%-1,458 bps
Liquidity & Funding
Loans / Shares86.90%77.96%80.48%80.96%72.26%-1,463 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps