PackageTrendsPeer
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CF Industries Inc. Employees

Long Grove, IL · Charter 20987

NCUA · 1 branch

Q4 2016

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 2016, the quarter ended December 31, 2016, 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

CF Industries Inc. Employees

Long Grove, IL · Charter 20987

NCUA · 1 branch

Q4 2016

$937KAssets
$9KLoans
$669KShares
$265KNet 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 -1.97%, down 170 bps year over year; NIM at 3.68%.
  • Asset quality: problem loans at 69.17% of loans (+6,658 bps YoY).
  • Capital: net worth / assets of 28.24%, up 1,228 bps from a year ago.
  • Funding: loans stand at 1.32% of shares as of Q4 2016.

Financial Results

Return on Assets (YTD, annualized)

-1.97%-170 bps YoY

Net Interest Margin (YTD, annualized)

3.68%+159 bps YoY

Efficiency Ratio (YTD, annualized)

121.65%+843 bps YoY

Net Worth / Assets

28.24%+1,228 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2015Q1 2016Q2 2016Q3 2016Q4 2016YoY ΔTrend
Earnings
Return on Assets-0.28%0.25%0.32%0.11%-1.97%-170 bps
Return on Equity-1.73%1.49%1.89%0.65%-6.99%-526 bps
Net Interest Margin2.09%1.99%2.32%2.13%3.68%+159 bps
Efficiency Ratio113.22%87.56%86.34%94.82%121.65%+843 bps
Growth
Asset Growth (YoY)1.23%-3.03%-3.99%-5.01%-47.17%-4,840 bps
Loan Growth (YoY)-0.54%-22.36%-20.47%-35.34%-97.65%-9,710 bps
Share Growth (YoY)1.88%-3.49%-4.79%-5.96%-55.04%-5,692 bps
Asset Quality
Delinquent Loans / Loans2.60%3.34%3.65%3.72%69.17%+6,658 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.37%0.46%0.52%0.56%100.00%+9,963 bps
Capital
Risk-Based Capital15.96%16.65%16.78%16.94%28.24%+1,228 bps
Net Worth / Assets15.96%16.65%16.78%16.94%28.24%+1,228 bps
Liquidity & Funding
Loans / Shares25.31%21.82%19.70%18.31%1.32%-2,398 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps