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Zachary Community

Zachary, LA · Charter 18219

NCUA · 1 branch

Q3 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: Q3 2018, the quarter ended September 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

Zachary Community

Zachary, LA · Charter 18219

NCUA · 1 branch

Q3 2018

$185KAssets
$55KLoans
$130KShares
$54KNet 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 -12.12%, down 1,340 bps year over year; NIM at 5.97%.
  • Asset quality: problem loans at 17.10% of loans (-856 bps YoY).
  • Capital: net worth / assets of 29.34%, down 621 bps from a year ago.
  • Funding: loans stand at 42.18% of shares as of Q3 2018.

Financial Results

Return on Assets (YTD, annualized)

-12.12%-1,340 bps YoY

Net Interest Margin (YTD, annualized)

5.97%+84 bps YoY

Efficiency Ratio (YTD, annualized)

160.59%+8,573 bps YoY

Net Worth / Assets

29.34%-621 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2017Q4 2017Q1 2018Q2 2018Q3 2018YoY ΔTrend
Earnings
Return on Assets1.28%0.64%-0.11%-10.60%-12.12%-1,340 bps
Return on Equity3.60%1.80%-0.32%-34.19%-41.31%-4,491 bps
Net Interest Margin5.13%4.55%5.70%5.49%5.97%+84 bps
Efficiency Ratio74.87%86.13%101.88%76.82%160.59%+8,573 bps
Growth
Asset Growth (YoY)-3.01%-1.09%-1.20%-5.09%-8.33%-532 bps
Loan Growth (YoY)0.64%6.94%17.85%-12.97%-25.94%-2,658 bps
Share Growth (YoY)-5.93%-3.15%-2.89%-0.98%2.14%+807 bps
Asset Quality
Delinquent Loans / Loans25.66%27.41%44.05%1.87%17.10%-856 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans6.08%5.34%5.35%10.21%10.40%+432 bps
Capital
Risk-Based Capital35.55%35.40%34.85%31.01%29.34%-621 bps
Net Worth / Assets35.55%35.40%34.85%31.01%29.34%-621 bps
Liquidity & Funding
Loans / Shares58.18%66.51%64.89%51.44%42.18%-1,599 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps