PackageTrendsPeer
Letter portraitLegal landscape

Sentinel Communications Employees

Orlando, FL · Charter 18327

Q4 2014

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 2014, the quarter ended December 31, 2014, 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

Sentinel Communications Employees

Orlando, FL · Charter 18327

Q4 2014

$40.7MAssets
$29.1MLoans
$37.3MShares
$2.6MNet 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 -0.95%, down 50 bps year over year; NIM at 5.19%.
  • Asset quality: problem loans at 3.15% of loans (+40 bps YoY).
  • Capital: net worth / assets of 6.30%, down 136 bps from a year ago.
  • Funding: loans stand at 78.15% of shares as of Q4 2014.

Financial Results

Return on Assets (YTD, annualized)

-0.95%-50 bps YoY

Net Interest Margin (YTD, annualized)

5.19%-31 bps YoY

Efficiency Ratio (YTD, annualized)

78.20%-354 bps YoY

Net Worth / Assets

6.30%-136 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014YoY ΔTrend
Earnings
Return on Assets-0.45%0.55%-0.16%0.01%-0.95%-50 bps
Return on Equity-5.82%7.21%-2.00%0.12%-15.00%-918 bps
Net Interest Margin5.50%5.42%5.83%5.23%5.19%-31 bps
Efficiency Ratio81.74%68.12%74.38%74.08%78.20%-354 bps
Growth
Asset Growth (YoY)43.11%13.93%3.47%7.75%5.66%-3,745 bps
Loan Growth (YoY)14.49%6.23%-2.52%-8.17%-3.42%-1,791 bps
Share Growth (YoY)63.03%12.66%3.86%9.39%7.77%-5,526 bps
Asset Quality
Delinquent Loans / Loans2.75%1.79%1.76%3.01%3.15%+40 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.40%2.43%2.63%2.72%3.37%+97 bps
Capital
Risk-Based Capital7.66%7.56%8.00%7.29%6.30%-136 bps
Net Worth / Assets7.66%7.56%8.00%7.29%6.30%-136 bps
Liquidity & Funding
Loans / Shares87.20%81.72%89.96%78.18%78.15%-905 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps