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Anchor Seven

Jacksonville, FL · Charter 16424

NCUA · 1 branch

Q3 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: Q3 2016, the quarter ended September 30, 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 2026-10-10

Anchor Seven

Jacksonville, FL · Charter 16424

NCUA · 1 branch

Q3 2016

$1.5MAssets
$542KLoans
$1.4MShares
$99KNet 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 -7.28%, up 225 bps year over year; NIM at 4.43%.
  • Asset quality: problem loans at 0.33% of loans (-208 bps YoY).
  • Capital: net worth / assets of 6.69%, down 248 bps from a year ago.
  • Funding: loans stand at 39.13% of shares as of Q3 2016.

Financial Results

Return on Assets (YTD, annualized)

-7.28%+225 bps YoY

Net Interest Margin (YTD, annualized)

4.43%-11 bps YoY

Efficiency Ratio (YTD, annualized)

439%+15,773 bps YoY

Net Worth / Assets

6.69%-248 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets-9.53%-6.94%-3.46%-25.50%-7.28%+225 bps
Return on Equity-103.90%-73.77%-34.30%-68870%-108.80%-490 bps
Net Interest Margin4.54%4.58%4.40%4.87%4.43%-11 bps
Efficiency Ratio281%232%171.85%1140%439%+15,773 bps
Growth
Asset Growth (YoY)-15.01%-12.18%-22.16%-33.45%-22.67%-766 bps
Loan Growth (YoY)-6.92%-17.90%-20.28%-31.29%-33.52%-2,660 bps
Share Growth (YoY)-9.58%-6.21%-19.61%-21.26%-20.56%-1,098 bps
Asset Quality
Delinquent Loans / Loans2.41%0.56%1.09%0.00%0.33%-208 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.20%3.53%3.90%22.00%3.66%+46 bps
Capital
Risk-Based Capital9.17%9.41%10.09%0.04%6.69%-248 bps
Net Worth / Assets9.17%9.41%10.09%0.04%6.69%-248 bps
Liquidity & Funding
Loans / Shares46.75%42.60%45.25%42.34%39.13%-763 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps