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Sangamo-Oconee Employees

West Union, SC · Charter 21419

NCUA · 2 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

Sangamo-Oconee Employees

West Union, SC · Charter 21419

NCUA · 2 branches

Q1 2019

$2.9MAssets
$811KLoans
$2.1MShares
$760KNet 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 -0.21%, down 31 bps year over year; NIM at 2.29%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 26.47%, up 649 bps from a year ago.
  • Funding: loans stand at 38.55% of shares as of Q1 2019.

Financial Results

Return on Assets (YTD, annualized)

-0.21%-31 bps YoY

Net Interest Margin (YTD, annualized)

2.29%+55 bps YoY

Efficiency Ratio (YTD, annualized)

109.14%+1,415 bps YoY

Net Worth / Assets

26.47%+649 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2018Q2 2018Q3 2018Q4 2018Q1 2019YoY ΔTrend
Earnings
Return on Assets0.10%-0.78%-0.13%-0.09%-0.21%-31 bps
Return on Equity0.52%-3.82%-0.60%-0.41%-0.79%-131 bps
Net Interest Margin1.75%1.86%2.02%2.17%2.29%+55 bps
Efficiency Ratio95.00%137.45%105.88%104.01%109.14%+1,415 bps
Growth
Asset Growth (YoY)-3.91%-5.62%-8.60%-15.02%-25.09%-2,118 bps
Loan Growth (YoY)20.82%3.78%11.02%-11.62%-23.25%-4,407 bps
Share Growth (YoY)-4.52%-6.60%-10.44%-18.58%-31.25%-2,673 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.17%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.19%1.18%0.77%0.88%0.82%-37 bps
Capital
Risk-Based Capital19.98%20.31%21.47%22.66%26.47%+649 bps
Net Worth / Assets19.98%20.31%21.47%22.66%26.47%+649 bps
Liquidity & Funding
Loans / Shares34.53%34.99%38.46%36.13%38.55%+402 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps