PackageTrendsPeer
Letter portraitLegal landscape

South Jennings Catholic

Jennings, LA · Charter 13673

NCUA · 2 branches

Q4 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: Q4 2017, the quarter ended December 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

South Jennings Catholic

Jennings, LA · Charter 13673

NCUA · 2 branches

Q4 2017

$1.5MAssets
$682KLoans
$1.3MShares
$223KNet 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 0.15%, up 32 bps year over year; NIM at 4.52%.
  • Asset quality: problem loans at 6.58% of loans (-229 bps YoY).
  • Capital: net worth / assets of 14.70%, up 43 bps from a year ago.
  • Funding: loans stand at 52.94% of shares as of Q4 2017.

Financial Results

Return on Assets (YTD, annualized)

0.15%+32 bps YoY

Net Interest Margin (YTD, annualized)

4.52%+14 bps YoY

Efficiency Ratio (YTD, annualized)

96.60%-666 bps YoY

Net Worth / Assets

14.70%+43 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets-0.16%0.31%-0.70%-0.14%0.15%+32 bps
Return on Equity-1.14%2.18%-5.02%-0.99%1.04%+218 bps
Net Interest Margin4.38%3.87%4.52%4.46%4.52%+14 bps
Efficiency Ratio103.26%93.15%117.17%103.37%96.60%-666 bps
Growth
Asset Growth (YoY)3.35%2.82%0.97%-1.48%-1.97%-531 bps
Loan Growth (YoY)5.16%6.85%-3.47%2.42%5.03%-12 bps
Share Growth (YoY)4.47%3.36%1.35%-1.71%-2.80%-728 bps
Asset Quality
Delinquent Loans / Loans8.87%2.39%11.09%9.59%6.58%-229 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.40%4.52%5.05%3.22%3.15%-125 bps
Capital
Risk-Based Capital14.27%13.98%14.01%14.32%14.70%+43 bps
Net Worth / Assets14.27%13.98%14.01%14.32%14.70%+43 bps
Liquidity & Funding
Loans / Shares48.99%47.48%45.47%49.20%52.94%+395 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps