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Golmar

Catano, PR · Charter 14600

NCUA · 1 branch

Q2 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: Q2 2017, the quarter ended June 30, 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

Golmar

Catano, PR · Charter 14600

NCUA · 1 branch

Q2 2017

$68KAssets
$8KLoans
$0KShares
$68KNet 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 1.12%, down 32 bps year over year; NIM at 1.99%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 100.00%, up 7,028 bps from a year ago.

Financial Results

Return on Assets (YTD, annualized)

1.12%-32 bps YoY

Net Interest Margin (YTD, annualized)

1.99%-83 bps YoY

Efficiency Ratio (YTD, annualized)

43.68%-638 bps YoY

Net Worth / Assets

100.00%+7,028 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2016Q3 2016Q4 2016Q1 2017Q2 2017YoY ΔTrend
Earnings
Return on Assets1.43%2.52%4.22%1.42%1.12%-32 bps
Return on Equity4.83%7.97%4.58%1.53%1.12%-371 bps
Net Interest Margin2.81%2.70%10.77%2.14%1.99%-83 bps
Efficiency Ratio50.07%54.76%96.08%33.76%43.68%-638 bps
Growth
Asset Growth (YoY)0.82%-2.28%-79.40%-80.43%-81.59%-8,242 bps
Loan Growth (YoY)-18.32%-23.01%-80.75%-84.72%-89.12%-7,080 bps
Share Growth (YoY)1.34%-4.11%-97.69%-97.96%-100.00%-10,134 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.88%0.00%0.00%0.00%0.00%-388 bps
Capital
Risk-Based Capital29.72%31.54%92.13%92.62%100.00%+7,028 bps
Net Worth / Assets29.72%31.54%92.13%92.62%100.00%+7,028 bps
Liquidity & Funding
Loans / Shares27.59%24.30%247%189.88%n/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps