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Holy Comforter-Saint Cyprians

Washington, DC · Charter 15497

Q3 2014

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 2014, the quarter ended September 30, 2014, 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

Holy Comforter-Saint Cyprians

Washington, DC · Charter 15497

Q3 2014

$93KAssets
$5KLoans
$81KShares
$12KNet 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 4.79%, up 959 bps year over year; NIM at 0.53%.
  • Asset quality: problem loans at 0.00% of loans (-1,537 bps YoY).
  • Capital: net worth / assets of 13.06%, up 490 bps from a year ago.
  • Funding: loans stand at 5.55% of shares as of Q3 2014.

Financial Results

Return on Assets (YTD, annualized)

4.79%+959 bps YoY

Net Interest Margin (YTD, annualized)

0.53%-9 bps YoY

Efficiency Ratio (YTD, annualized)

831%+20,704 bps YoY

Net Worth / Assets

13.06%+490 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets-4.80%-4.84%-1.19%-4.07%4.79%+959 bps
Return on Equity-58.90%-66.13%-15.22%-52.77%36.70%+9,560 bps
Net Interest Margin0.62%0.73%0.48%0.65%0.53%-9 bps
Efficiency Ratio624%557%601%629%831%+20,704 bps
Growth
Asset Growth (YoY)-6.12%-1.49%-10.41%-25.60%-25.22%-1,910 bps
Loan Growth (YoY)0.51%-19.13%13.89%-37.95%-63.37%-6,388 bps
Share Growth (YoY)-2.03%3.73%-7.48%-24.09%-29.22%-2,719 bps
Asset Quality
Delinquent Loans / Loans15.37%0.00%0.00%0.00%0.00%-1,537 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans50.65%82.05%64.08%124.04%0.00%-5,065 bps
Capital
Risk-Based Capital8.15%7.33%7.80%7.72%13.06%+490 bps
Net Worth / Assets8.15%7.33%7.80%7.72%13.06%+490 bps
Liquidity & Funding
Loans / Shares10.73%7.62%9.95%6.57%5.55%-518 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps