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St. John Self-Help

Reserve, LA · Charter 19452

NCUA · 1 branch

Q4 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: Q4 2018, the quarter ended December 31, 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

St. John Self-Help

Reserve, LA · Charter 19452

NCUA · 1 branch

Q4 2018

$1.2MAssets
$135KLoans
$710KShares
$458KNet 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 -1.09%, down 24 bps year over year; NIM at 2.08%.
  • Asset quality: problem loans at 6.82% of loans (+88 bps YoY).
  • Capital: net worth / assets of 39.24%, up 37 bps from a year ago.
  • Funding: loans stand at 19.09% of shares as of Q4 2018.

Financial Results

Return on Assets (YTD, annualized)

-1.09%-24 bps YoY

Net Interest Margin (YTD, annualized)

2.08%+20 bps YoY

Efficiency Ratio (YTD, annualized)

136.56%+369 bps YoY

Net Worth / Assets

39.24%+37 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2017Q1 2018Q2 2018Q3 2018Q4 2018YoY ΔTrend
Earnings
Return on Assets-0.85%-1.36%-1.07%-0.99%-1.09%-24 bps
Return on Equity-2.18%-3.51%-2.81%-2.65%-2.78%-60 bps
Net Interest Margin1.89%1.62%1.53%1.82%2.08%+20 bps
Efficiency Ratio132.87%178.92%165.31%150.38%136.56%+369 bps
Growth
Asset Growth (YoY)-3.39%-2.73%-1.58%1.86%-3.62%-23 bps
Loan Growth (YoY)-5.87%-10.84%-24.60%-27.22%-35.35%-2,948 bps
Share Growth (YoY)-4.18%-3.08%-1.46%4.25%-4.16%+2 bps
Asset Quality
Delinquent Loans / Loans5.95%6.73%8.62%10.95%6.82%+88 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.45%1.66%1.97%0.78%3.27%+183 bps
Capital
Risk-Based Capital38.87%38.87%38.16%37.18%39.24%+37 bps
Net Worth / Assets38.87%38.87%38.16%37.18%39.24%+37 bps
Liquidity & Funding
Loans / Shares28.30%24.86%21.83%19.41%19.09%-921 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps