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Wesley Health Systems

Hattiesburg, MS · Charter 18813

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 2026-10-10

Wesley Health Systems

Hattiesburg, MS · Charter 18813

Q4 2014

$2.7MAssets
$1.6MLoans
$2.3MShares
$372KNet 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 -0.09%, up 10 bps year over year; NIM at 3.39%.
  • Asset quality: problem loans at 1.53% of loans (+79 bps YoY).
  • Capital: net worth / assets of 13.88%, down 39 bps from a year ago.
  • Funding: loans stand at 68.64% of shares as of Q4 2014.

Financial Results

Return on Assets (YTD, annualized)

-0.09%+10 bps YoY

Net Interest Margin (YTD, annualized)

3.39%+28 bps YoY

Efficiency Ratio (YTD, annualized)

106.08%-217 bps YoY

Net Worth / Assets

13.88%-39 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014YoY ΔTrend
Earnings
Return on Assets-0.19%0.13%-0.20%-0.02%-0.09%+10 bps
Return on Equity-1.36%1.02%-1.54%-0.19%-0.67%+70 bps
Net Interest Margin3.10%3.54%3.30%3.03%3.39%+28 bps
Efficiency Ratio108.25%106.35%107.98%106.51%106.08%-217 bps
Growth
Asset Growth (YoY)1.51%2.89%4.77%8.21%2.14%+63 bps
Loan Growth (YoY)1.23%-4.74%-11.31%-19.71%-25.66%-2,689 bps
Share Growth (YoY)2.10%3.28%5.46%9.41%2.56%+47 bps
Asset Quality
Delinquent Loans / Loans0.74%0.04%0.06%0.10%1.53%+79 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.23%0.21%0.24%0.05%0.10%-13 bps
Capital
Risk-Based Capital14.27%13.08%12.80%12.22%13.88%-39 bps
Net Worth / Assets14.27%13.08%12.80%12.22%13.88%-39 bps
Liquidity & Funding
Loans / Shares94.70%77.87%72.36%62.55%68.64%-2,605 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps