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Catholics United

Casper, WY · Charter 14916

NCUA · 1 branch

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

Catholics United

Casper, WY · Charter 14916

NCUA · 1 branch

Q3 2018

$4.9MAssets
$4.2MLoans
$3.8MShares
$826KNet 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 -0.31%, down 33 bps year over year; NIM at 3.93%.
  • Asset quality: problem loans at 1.55% of loans (+136 bps YoY).
  • Capital: net worth / assets of 16.89%, up 107 bps from a year ago.
  • Funding: loans stand at 109.97% of shares as of Q3 2018.

Financial Results

Return on Assets (YTD, annualized)

-0.31%-33 bps YoY

Net Interest Margin (YTD, annualized)

3.93%+18 bps YoY

Efficiency Ratio (YTD, annualized)

106.18%+648 bps YoY

Net Worth / Assets

16.89%+107 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2017Q4 2017Q1 2018Q2 2018Q3 2018YoY ΔTrend
Earnings
Return on Assets0.01%-0.25%-0.56%-0.47%-0.31%-33 bps
Return on Equity0.09%-1.57%-3.54%-2.95%-1.85%-194 bps
Net Interest Margin3.75%3.79%3.63%3.69%3.93%+18 bps
Efficiency Ratio99.70%105.06%112.23%110.07%106.18%+648 bps
Growth
Asset Growth (YoY)-5.64%-6.44%-5.94%-7.54%-9.04%-340 bps
Loan Growth (YoY)-4.87%-8.23%-7.60%-9.09%-8.62%-375 bps
Share Growth (YoY)-6.71%-7.47%-6.90%-8.31%-14.77%-806 bps
Asset Quality
Delinquent Loans / Loans0.18%0.28%3.19%0.25%1.55%+136 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.95%0.88%0.88%0.91%0.93%-2 bps
Capital
Risk-Based Capital15.81%15.89%15.73%15.85%16.89%+107 bps
Net Worth / Assets15.81%15.89%15.73%15.85%16.89%+107 bps
Liquidity & Funding
Loans / Shares102.57%102.09%101.06%99.51%109.97%+740 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps