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North East KY Cap

Olive Hill, KY · Charter 18084

NCUA · 1 branch

Q2 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: Q2 2018, the quarter ended June 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

North East KY Cap

Olive Hill, KY · Charter 18084

NCUA · 1 branch

Q2 2018

$127KAssets
$46KLoans
$94KShares
$29KNet 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 -8.01%, down 271 bps year over year; NIM at -1.24%.
  • Asset quality: problem loans at 2.19% of loans (+219 bps YoY).
  • Capital: net worth / assets of 22.88%, down 151 bps from a year ago.
  • Funding: loans stand at 48.94% of shares as of Q2 2018.

Financial Results

Return on Assets (YTD, annualized)

-8.01%-271 bps YoY

Net Interest Margin (YTD, annualized)

-1.24%-387 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

22.88%-151 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2017Q3 2017Q4 2017Q1 2018Q2 2018YoY ΔTrend
Earnings
Return on Assets-5.30%-3.60%-2.90%-10.85%-8.01%-271 bps
Return on Equity-21.75%-15.58%-11.41%-53.33%-35.02%-1,327 bps
Net Interest Margin2.62%3.04%3.67%-4.29%-1.24%-387 bps
Efficiency Ratio203%163.17%154.67%n/an/an/a
Growth
Asset Growth (YoY)-47.33%-46.23%-47.31%-0.33%-9.72%+3,761 bps
Loan Growth (YoY)8.64%25.21%22.91%14.16%-14.06%-2,270 bps
Share Growth (YoY)-54.50%-52.30%-54.52%4.33%-8.23%+4,627 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%2.19%+219 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.31%2.04%0.99%1.28%1.37%-94 bps
Capital
Risk-Based Capital24.39%23.10%25.39%20.35%22.88%-151 bps
Net Worth / Assets24.39%23.10%25.39%20.35%22.88%-151 bps
Liquidity & Funding
Loans / Shares52.25%56.26%62.72%42.80%48.94%-332 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps