PackageTrendsPeer
Letter portraitLegal landscape

Carroll County School Emp

Hillsville, VA · Charter 15962

NCUA · 2 branches

Q4 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: Q4 2016, the quarter ended December 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

Carroll County School Emp

Hillsville, VA · Charter 15962

NCUA · 2 branches

Q4 2016

$757KAssets
$95KLoans
$618KShares
$139KNet 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 -0.34%, down 30 bps year over year; NIM at 1.88%.
  • Asset quality: problem loans at 0.37% of loans (+13 bps YoY).
  • Capital: net worth / assets of 18.34%, up 174 bps from a year ago.
  • Funding: loans stand at 15.32% of shares as of Q4 2016.

Financial Results

Return on Assets (YTD, annualized)

-0.34%-30 bps YoY

Net Interest Margin (YTD, annualized)

1.88%-8 bps YoY

Efficiency Ratio (YTD, annualized)

109.61%+1,441 bps YoY

Net Worth / Assets

18.34%+174 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2015Q1 2016Q2 2016Q3 2016Q4 2016YoY ΔTrend
Earnings
Return on Assets-0.04%0.34%0.13%-0.09%-0.34%-30 bps
Return on Equity-0.25%2.07%0.77%-0.50%-1.84%-159 bps
Net Interest Margin1.96%2.14%1.98%1.82%1.88%-8 bps
Efficiency Ratio95.19%77.96%86.68%96.77%109.61%+1,441 bps
Growth
Asset Growth (YoY)-0.52%-0.19%-3.76%-7.85%-11.56%-1,104 bps
Loan Growth (YoY)-29.16%-28.68%-23.73%-20.72%-24.73%+443 bps
Share Growth (YoY)-0.60%-0.19%-4.31%-9.09%-13.06%-1,246 bps
Asset Quality
Delinquent Loans / Loans0.25%0.34%0.43%0.54%0.37%+13 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans14.95%19.89%24.77%30.80%21.14%+619 bps
Capital
Risk-Based Capital16.61%16.42%16.68%17.14%18.34%+174 bps
Net Worth / Assets16.61%16.42%16.68%17.14%18.34%+174 bps
Liquidity & Funding
Loans / Shares17.70%13.25%11.01%9.38%15.32%-238 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps