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C C S A C

Cumberland, MD · Charter 9445

NCUA · 3 branches

Q4 2022

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: Q4 2022, the quarter ended December 31, 2022, 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

C C S A C

Cumberland, MD · Charter 9445

NCUA · 3 branches

Q4 2022

$34.7MAssets
$22.9MLoans
$30.5MShares
$3.1MNet 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 -1.68%, down 188 bps year over year; NIM at 3.30%.
  • Asset quality: problem loans at 0.21% of loans (-46 bps YoY).
  • Capital: net worth / assets of 9.01%, down 129 bps from a year ago.
  • Funding: loans stand at 75.23% of shares as of Q4 2022.

Financial Results

Return on Assets (YTD, annualized)

-1.68%-188 bps YoY

Net Interest Margin (YTD, annualized)

3.30%-4 bps YoY

Efficiency Ratio (YTD, annualized)

113.04%+1,787 bps YoY

Net Worth / Assets

9.01%-129 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2021Q1 2022Q2 2022Q3 2022Q4 2022YoY ΔTrend
Earnings
Return on Assets0.20%-0.82%-1.11%-1.18%-1.68%-188 bps
Return on Equity1.98%-8.32%-11.50%-11.99%-18.63%-2,061 bps
Net Interest Margin3.33%3.07%3.12%3.26%3.30%-4 bps
Efficiency Ratio95.17%104.63%96.57%98.44%113.04%+1,787 bps
Growth
Asset Growth (YoY)0.21%-3.14%-2.56%-4.48%-1.26%-147 bps
Loan Growth (YoY)1.19%-5.22%-13.15%-8.20%9.37%+818 bps
Share Growth (YoY)0.43%-1.07%-0.36%-3.80%-2.96%-339 bps
Asset Quality
Delinquent Loans / Loans0.66%0.11%0.90%0.59%0.21%-46 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.68%0.87%1.41%1.57%1.40%+72 bps
Capital
Risk-Based Capital10.30%9.89%9.64%9.82%9.01%-129 bps
Net Worth / Assets10.30%9.89%9.64%9.82%9.01%-129 bps
Liquidity & Funding
Loans / Shares66.74%59.69%57.43%63.97%75.23%+848 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps