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Community United

Waycross, GA · Charter 17201

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

Community United

Waycross, GA · Charter 17201

NCUA · 1 branch

Q2 2017

$23.5MAssets
$16.5MLoans
$22.5MShares
$825KNet 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 -12.90%, down 1,373 bps year over year; NIM at 3.36%.
  • Asset quality: problem loans at 3.21% of loans (+206 bps YoY).
  • Capital: net worth / assets of 3.51%, down 732 bps from a year ago.
  • Funding: loans stand at 73.03% of shares as of Q2 2017.

Financial Results

Return on Assets (YTD, annualized)

-12.90%-1,373 bps YoY

Net Interest Margin (YTD, annualized)

3.36%-70 bps YoY

Efficiency Ratio (YTD, annualized)

204%+11,730 bps YoY

Net Worth / Assets

3.51%-732 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2016Q3 2016Q4 2016Q1 2017Q2 2017YoY ΔTrend
Earnings
Return on Assets0.82%0.58%0.56%-19.12%-12.90%-1,373 bps
Return on Equity7.61%5.41%5.48%-429%-368%-37,554 bps
Net Interest Margin4.06%4.00%3.78%3.09%3.36%-70 bps
Efficiency Ratio86.43%87.16%87.58%200%204%+11,730 bps
Growth
Asset Growth (YoY)2.10%4.12%10.67%17.39%9.91%+780 bps
Loan Growth (YoY)17.31%16.32%8.69%3.09%-0.15%-1,746 bps
Share Growth (YoY)1.11%0.73%12.56%25.20%18.82%+1,771 bps
Asset Quality
Delinquent Loans / Loans1.15%0.87%0.97%6.47%3.21%+206 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.19%0.38%0.25%5.67%5.61%+543 bps
Capital
Risk-Based Capital10.83%10.68%10.16%4.46%3.51%-732 bps
Net Worth / Assets10.83%10.68%10.16%4.46%3.51%-732 bps
Liquidity & Funding
Loans / Shares86.91%92.32%82.90%68.71%73.03%-1,388 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps