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Immaculate Conception Fall River

Fall River, MA · Charter 12209

NCUA · 1 branch

Q1 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: Q1 2017, the quarter ended March 31, 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

Immaculate Conception Fall River

Fall River, MA · Charter 12209

NCUA · 1 branch

Q1 2017

$1.2MAssets
$633KLoans
$1.2MShares
$31KNet 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 -6.97%, down 261 bps year over year; NIM at 4.37%.
  • Asset quality: problem loans at 4.12% of loans (+139 bps YoY).
  • Capital: net worth / assets of 2.52%, down 285 bps from a year ago.
  • Funding: loans stand at 53.61% of shares as of Q1 2017.

Financial Results

Return on Assets (YTD, annualized)

-6.97%-261 bps YoY

Net Interest Margin (YTD, annualized)

4.37%+4 bps YoY

Efficiency Ratio (YTD, annualized)

221%+4,794 bps YoY

Net Worth / Assets

2.52%-285 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2016Q2 2016Q3 2016Q4 2016Q1 2017YoY ΔTrend
Earnings
Return on Assets-4.36%-2.85%-3.26%-3.32%-6.97%-261 bps
Return on Equity-81.32%-53.34%-70.77%-84.63%-277%-19,573 bps
Net Interest Margin4.33%4.72%4.73%4.75%4.37%+4 bps
Efficiency Ratio173.47%143.72%144.81%148.24%221%+4,794 bps
Growth
Asset Growth (YoY)-16.07%-18.22%-14.98%-16.30%-17.91%-185 bps
Loan Growth (YoY)-25.69%-31.72%-21.42%-23.43%-22.45%+324 bps
Share Growth (YoY)-14.79%-16.72%-12.70%-13.99%-15.48%-69 bps
Asset Quality
Delinquent Loans / Loans2.74%3.82%4.36%2.21%4.12%+139 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.90%2.27%2.77%2.98%3.25%+135 bps
Capital
Risk-Based Capital5.36%5.33%4.60%3.92%2.52%-285 bps
Net Worth / Assets5.36%5.33%4.60%3.92%2.52%-285 bps
Liquidity & Funding
Loans / Shares58.43%55.07%56.32%54.29%53.61%-482 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps