PackageTrendsPeer
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M E A

Columbus, GA · Charter 14034

NCUA

Q1 2016

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 2016, the quarter ended March 31, 2016, 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

M E A

Columbus, GA · Charter 14034

NCUA

Q1 2016

$64.3MAssets
$28.2MLoans
$55.1MShares
$8.8MNet Worth

Executive Summary

  • Earnings: ROA of -8.80%, down 904 bps year over year; NIM at 3.58%.
  • Asset quality: problem loans at 0.88% of loans (-99 bps YoY).
  • Capital: net worth / assets of 13.63%, down 170 bps from a year ago.
  • Funding: loans stand at 51.09% of shares as of Q1 2016.

Return on Assets (YTD, annualized)

-8.80%-904 bps YoY

Net Interest Margin (YTD, annualized)

3.58%-12 bps YoY

Efficiency Ratio (YTD, annualized)

281%+19,439 bps YoY

Net Worth / Assets

13.63%-170 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2014Q3 2014Q4 2014Q1 2015Q2 2015Q3 2015Q4 2015Q1 2016YoY ΔTrend
Earnings
Return on Assets0.25%0.30%0.35%0.25%0.00%-0.29%-0.06%-8.80%-904 bps
Return on Equity1.68%2.00%2.27%1.61%0.03%-1.90%-0.37%-64.53%-6,614 bps
Net Interest Margin3.91%3.96%4.04%3.70%3.75%3.82%3.79%3.58%-12 bps
Efficiency Ratio84.48%83.67%84.75%87.07%88.84%90.71%89.64%281%+19,439 bps
Growth
Asset Growth (YoY)2.77%0.05%-2.96%-2.52%-2.78%-2.97%-0.26%-3.93%-141 bps
Loan Growth (YoY)0.72%-0.17%-1.88%-4.80%-7.30%-6.28%-6.09%-6.81%-201 bps
Share Growth (YoY)2.20%-0.73%-1.35%-1.32%-2.57%-2.54%-1.37%-2.53%-121 bps
Asset Quality
Delinquent Loans / Loans2.68%2.57%2.91%1.87%2.25%1.41%0.80%0.88%-99 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.14%2.30%2.26%2.33%2.23%2.48%1.92%1.92%-41 bps
Capital
Risk-Based Capital14.84%15.10%15.61%15.33%15.49%15.46%15.60%13.63%-170 bps
Net Worth / Assets14.84%15.10%15.61%15.33%15.49%15.46%15.60%13.63%-170 bps
Liquidity & Funding
Loans / Shares56.47%56.99%57.59%53.44%53.73%54.81%54.84%51.09%-235 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps