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Central Florida Educators

Orlando, FL · Charter 1976

NCUA · 22 branches

Q1 2019

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: Q1 2019, the quarter ended March 31, 2019, 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

Central Florida Educators

Orlando, FL · Charter 1976

NCUA · 22 branches

Q1 2019

$1.9BAssets
$1.2BLoans
$1.7BShares
$213.9MNet Worth

Executive Summary

  • Earnings: ROA of 0.65%, down 43 bps year over year; NIM at 3.18%.
  • Asset quality: problem loans at 0.19% of loans (-1 bps YoY).
  • Capital: net worth / assets of 11.22%, up 48 bps from a year ago.
  • Funding: loans stand at 69.02% of shares as of Q1 2019.

Return on Assets (YTD, annualized)

0.65%-43 bps YoY

Net Interest Margin (YTD, annualized)

3.18%+6 bps YoY

Efficiency Ratio (YTD, annualized)

79.90%+821 bps YoY

Net Worth / Assets

11.22%+48 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2017Q3 2017Q4 2017Q1 2018Q2 2018Q3 2018Q4 2018Q1 2019YoY ΔTrend
Earnings
Return on Assets0.65%0.62%0.59%1.08%0.99%0.94%0.91%0.65%-43 bps
Return on Equity6.15%5.83%5.52%10.02%9.02%8.46%8.04%5.75%-427 bps
Net Interest Margin2.91%2.95%2.99%3.12%3.15%3.14%3.17%3.18%+6 bps
Efficiency Ratio77.39%76.84%75.69%71.69%74.22%74.40%75.21%79.90%+821 bps
Growth
Asset Growth (YoY)7.71%7.25%8.26%5.21%2.84%3.50%3.42%2.92%-229 bps
Loan Growth (YoY)17.51%16.79%17.65%20.86%18.17%15.96%12.99%10.22%-1,064 bps
Share Growth (YoY)9.74%8.23%8.59%5.52%3.29%2.28%1.24%1.58%-394 bps
Asset Quality
Delinquent Loans / Loans0.33%0.44%0.32%0.20%0.26%0.25%0.27%0.19%-1 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.39%1.36%1.31%1.19%1.10%1.03%0.94%0.85%-34 bps
Capital
Risk-Based Capital10.52%10.61%10.73%10.74%10.98%11.08%11.28%11.22%+48 bps
Net Worth / Assets10.52%10.61%10.73%10.74%10.98%11.08%11.28%11.22%+48 bps
Liquidity & Funding
Loans / Shares57.37%60.38%62.72%63.61%65.63%68.45%70.00%69.02%+541 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps