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East Feliciana Teachers

Clinton, LA · Charter 18427

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 2026-10-10

East Feliciana Teachers

Clinton, LA · Charter 18427

NCUA · 1 branch

Q2 2017

$265KAssets
$155KLoans
$246KShares
$19KNet 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 -1.47%, up 494 bps year over year; NIM at 6.99%.
  • Asset quality: problem loans at 1.43% of loans (-395 bps YoY).
  • Capital: net worth / assets of 7.20%, down 159 bps from a year ago.
  • Funding: loans stand at 63.16% of shares as of Q2 2017.

Financial Results

Return on Assets (YTD, annualized)

-1.47%+494 bps YoY

Net Interest Margin (YTD, annualized)

6.99%-153 bps YoY

Efficiency Ratio (YTD, annualized)

117.80%-1,929 bps YoY

Net Worth / Assets

7.20%-159 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2016Q3 2016Q4 2016Q1 2017Q2 2017YoY ΔTrend
Earnings
Return on Assets-6.41%-5.18%-4.33%-2.70%-1.47%+494 bps
Return on Equity-72.88%-62.34%-54.03%-37.27%-20.45%+5,243 bps
Net Interest Margin8.52%8.48%8.45%7.10%6.99%-153 bps
Efficiency Ratio137.09%133.11%128.28%133.19%117.80%-1,929 bps
Growth
Asset Growth (YoY)-0.71%-3.62%-5.09%-4.47%-1.89%-118 bps
Loan Growth (YoY)-8.38%-15.30%-3.38%-12.51%-21.02%-1,264 bps
Share Growth (YoY)3.32%2.31%-0.93%-1.95%0.28%-304 bps
Asset Quality
Delinquent Loans / Loans5.38%5.17%3.42%3.51%1.43%-395 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans6.17%6.77%6.27%5.16%2.31%-386 bps
Capital
Risk-Based Capital8.80%8.31%8.01%7.26%7.20%-159 bps
Net Worth / Assets8.80%8.31%8.01%7.26%7.20%-159 bps
Liquidity & Funding
Loans / Shares80.20%71.42%77.83%69.43%63.16%-1,704 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps