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St. James A M E Church

Miami, FL · Charter 11791

NCUA · 1 branch

Q3 2017

$307KAssets
$20KLoans
$227KShares
$80KNet 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 -0.87%, up 52 bps year over year; NIM at 0.76%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 26.16%, up 27 bps from a year ago.
  • Funding: loans stand at 8.61% of shares as of Q3 2017.

Financial Results

Return on Assets (quarter, annualized)

-0.87%+52 bps YoY

Net Interest Margin (quarter, annualized)

0.76%-61 bps YoY

Efficiency Ratio (quarter, annualized)

182.71%+898 bps YoY

Net Worth / Assets

26.16%+27 bps YoY

Discrete quarter, annualized.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets-1.39%-0.83%0.47%-0.82%-0.87%+52 bps
Return on Equity-5.35%-3.26%1.73%-3.11%-3.32%+203 bps
Net Interest Margin1.37%1.27%1.05%0.88%0.76%-61 bps
Efficiency Ratio173.73%148.17%64.13%168.33%182.71%+898 bps
Growth
Asset Growth (YoY)-23.16%-21.15%-18.63%-11.57%-0.45%+2,271 bps
Loan Growth (YoY)-32.97%-41.13%-46.15%-57.38%-53.71%-2,073 bps
Share Growth (YoY)-28.08%-25.70%-23.23%-13.94%0.93%+2,901 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans8.53%11.01%13.08%17.66%18.43%+990 bps
Capital
Risk-Based Capital25.89%25.60%27.23%26.32%26.16%+27 bps
Net Worth / Assets25.89%25.60%27.23%26.32%26.16%+27 bps
Liquidity & Funding
Loans / Shares18.77%14.21%12.57%9.06%8.61%-1,016 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps