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Stephens-Franklin Teachers

Toccoa, GA · Charter 13797

NCUA · 2 branches

Q3 2018

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 2018, the quarter ended September 30, 2018, 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

Stephens-Franklin Teachers

Toccoa, GA · Charter 13797

NCUA · 2 branches

Q3 2018

$19.7MAssets
$9.9MLoans
$15.5MShares
$4.0MNet 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 0.25%, down 10 bps year over year; NIM at 2.89%.
  • Asset quality: problem loans at 0.13% of loans (-14 bps YoY).
  • Capital: net worth / assets of 20.27%, down 5 bps from a year ago.
  • Funding: loans stand at 63.96% of shares as of Q3 2018.

Financial Results

Return on Assets (YTD, annualized)

0.25%-10 bps YoY

Net Interest Margin (YTD, annualized)

2.89%0 bps YoY

Efficiency Ratio (YTD, annualized)

98.23%+1,018 bps YoY

Net Worth / Assets

20.27%-5 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2017Q4 2017Q1 2018Q2 2018Q3 2018YoY ΔTrend
Earnings
Return on Assets0.35%0.44%-0.95%-0.07%0.25%-10 bps
Return on Equity1.72%2.10%-4.94%-0.34%1.22%-50 bps
Net Interest Margin2.89%2.95%2.75%2.77%2.89%0 bps
Efficiency Ratio88.04%85.37%133.05%111.60%98.23%+1,018 bps
Growth
Asset Growth (YoY)0.15%-1.85%-0.62%-0.29%-3.28%-343 bps
Loan Growth (YoY)-1.39%-0.74%-5.63%-0.42%-0.29%+110 bps
Share Growth (YoY)-1.63%-4.21%-2.25%-2.04%-4.41%-278 bps
Asset Quality
Delinquent Loans / Loans0.27%0.16%0.17%0.14%0.13%-14 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.55%0.54%0.77%0.45%0.38%-17 bps
Capital
Risk-Based Capital20.31%21.07%19.24%19.62%20.27%-5 bps
Net Worth / Assets20.31%21.07%19.24%19.62%20.27%-5 bps
Liquidity & Funding
Loans / Shares61.31%63.15%57.77%61.89%63.96%+265 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps