PackageTrendsPeer
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Railroad

Irondale, AL · Charter 11176

NCUA · 1 branch

Q3 2017

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 2017, the quarter ended September 30, 2017, 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

Railroad

Irondale, AL · Charter 11176

NCUA · 1 branch

Q3 2017

$108.3MAssets
$13.8MLoans
$95.0MShares
$13.2MNet Worth

Executive Summary

  • Earnings: ROA of 0.06%, down 3 bps year over year; NIM at 1.11%.
  • Asset quality: problem loans at 0.39% of loans (+23 bps YoY).
  • Capital: net worth / assets of 12.14%, down 10 bps from a year ago.
  • Funding: loans stand at 14.47% of shares as of Q3 2017.

Return on Assets (YTD, annualized)

0.06%-3 bps YoY

Net Interest Margin (YTD, annualized)

1.11%-4 bps YoY

Efficiency Ratio (YTD, annualized)

94.38%+724 bps YoY

Net Worth / Assets

12.14%-10 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2015Q1 2016Q2 2016Q3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets0.08%0.05%0.07%0.09%0.07%0.01%0.06%0.06%-3 bps
Return on Equity0.65%0.41%0.59%0.75%0.54%0.12%0.50%0.51%-24 bps
Net Interest Margin1.14%1.23%1.17%1.14%1.12%1.09%1.10%1.11%-4 bps
Efficiency Ratio89.11%87.00%88.79%87.14%88.98%97.24%94.24%94.38%+724 bps
Growth
Asset Growth (YoY)0.43%0.20%1.93%1.40%2.66%2.40%1.74%1.16%-24 bps
Loan Growth (YoY)-0.58%-0.55%-1.47%0.74%1.18%-2.52%-4.10%-7.13%-787 bps
Share Growth (YoY)0.79%0.29%1.78%1.62%3.09%3.68%2.66%1.83%+21 bps
Asset Quality
Delinquent Loans / Loans0.58%0.11%0.28%0.16%0.56%0.42%0.40%0.39%+23 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.78%0.83%0.78%0.77%0.89%0.90%0.81%0.72%-6 bps
Capital
Risk-Based Capital12.44%12.30%12.27%12.24%12.19%12.07%12.12%12.14%-10 bps
Net Worth / Assets12.44%12.30%12.27%12.24%12.19%12.07%12.12%12.14%-10 bps
Liquidity & Funding
Loans / Shares15.85%15.55%15.59%15.86%15.55%14.62%14.57%14.47%-140 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps