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Good Street Baptist Church

Dallas, TX · Charter 12108

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

Good Street Baptist Church

Dallas, TX · Charter 12108

NCUA · 1 branch

Q3 2017

$612KAssets
$274KLoans
$575KShares
$34KNet 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 -9.09%, down 403 bps year over year; NIM at 4.51%.
  • Asset quality: problem loans at 20.65% of loans (-36 bps YoY).
  • Capital: net worth / assets of 5.54%, down 429 bps from a year ago.
  • Funding: loans stand at 47.59% of shares as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

-9.09%-403 bps YoY

Net Interest Margin (YTD, annualized)

4.51%+119 bps YoY

Efficiency Ratio (YTD, annualized)

328%+13,197 bps YoY

Net Worth / Assets

5.54%-429 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets-5.06%-5.23%-7.21%-11.05%-9.09%-403 bps
Return on Equity-51.49%-58.97%-96.81%-176.36%-164.08%-11,259 bps
Net Interest Margin3.32%3.39%3.81%4.49%4.51%+119 bps
Efficiency Ratio195.70%200%241%360%328%+13,197 bps
Growth
Asset Growth (YoY)-5.55%-4.07%-7.37%-25.82%-29.78%-2,422 bps
Loan Growth (YoY)-11.72%-13.72%-16.33%-10.30%-22.19%-1,047 bps
Share Growth (YoY)-0.89%1.43%-0.84%-19.57%-26.29%-2,539 bps
Asset Quality
Delinquent Loans / Loans21.01%20.21%19.37%18.23%20.65%-36 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.40%3.41%3.04%3.06%2.11%-129 bps
Capital
Risk-Based Capital9.83%8.87%7.45%6.26%5.54%-429 bps
Net Worth / Assets9.83%8.87%7.45%6.26%5.54%-429 bps
Liquidity & Funding
Loans / Shares45.09%44.06%39.21%50.28%47.59%+251 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps