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Lynn-Co

Tahoka, TX · Charter 13771

NCUA · 1 branch

Q1 2019

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 2019, the quarter ended March 31, 2019, 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

Lynn-Co

Tahoka, TX · Charter 13771

NCUA · 1 branch

Q1 2019

$508KAssets
$169KLoans
$419KShares
$88KNet 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 -6.08%, down 98 bps year over year; NIM at 4.06%.
  • Asset quality: problem loans at 0.00% of loans (-40 bps YoY).
  • Capital: net worth / assets of 17.35%, down 541 bps from a year ago.
  • Funding: loans stand at 40.48% of shares as of Q1 2019.

Financial Results

Return on Assets (YTD, annualized)

-6.08%-98 bps YoY

Net Interest Margin (YTD, annualized)

4.06%-92 bps YoY

Efficiency Ratio (YTD, annualized)

243%+4,503 bps YoY

Net Worth / Assets

17.35%-541 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2018Q2 2018Q3 2018Q4 2018Q1 2019YoY ΔTrend
Earnings
Return on Assets-5.10%-4.66%-5.01%-5.57%-6.08%-98 bps
Return on Equity-22.43%-22.24%-25.38%-29.96%-35.07%-1,265 bps
Net Interest Margin4.98%4.59%4.40%4.55%4.06%-92 bps
Efficiency Ratio197.84%196.59%208%216%243%+4,503 bps
Growth
Asset Growth (YoY)-17.67%-8.69%-3.11%-1.52%-2.19%+1,549 bps
Loan Growth (YoY)-10.17%-27.23%-15.64%-13.52%-32.03%-2,186 bps
Share Growth (YoY)-14.69%-4.38%3.65%5.34%4.73%+1,943 bps
Asset Quality
Delinquent Loans / Loans0.40%0.00%0.00%0.39%0.00%-40 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.73%3.27%3.10%2.90%3.60%+87 bps
Capital
Risk-Based Capital22.75%20.93%19.76%18.58%17.35%-541 bps
Net Worth / Assets22.75%20.93%19.76%18.58%17.35%-541 bps
Liquidity & Funding
Loans / Shares62.37%49.15%51.75%56.11%40.48%-2,189 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps