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Greenwood Mills

Greenwood, SC · Charter 22098

NCUA · 1 branch

Q1 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: Q1 2018, the quarter ended March 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

Greenwood Mills

Greenwood, SC · Charter 22098

NCUA · 1 branch

Q1 2018

$12.7MAssets
$5.8MLoans
$11.4MShares
$1.0MNet 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 -6.74%, down 671 bps year over year; NIM at 3.01%.
  • Asset quality: problem loans at 4.00% of loans (+275 bps YoY).
  • Capital: net worth / assets of 8.09%, down 205 bps from a year ago.
  • Funding: loans stand at 50.47% of shares as of Q1 2018.

Financial Results

Return on Assets (YTD, annualized)

-6.74%-671 bps YoY

Net Interest Margin (YTD, annualized)

3.01%-19 bps YoY

Efficiency Ratio (YTD, annualized)

248%+14,767 bps YoY

Net Worth / Assets

8.09%-205 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2017Q2 2017Q3 2017Q4 2017Q1 2018YoY ΔTrend
Earnings
Return on Assets-0.03%-0.40%-0.29%-0.57%-6.74%-671 bps
Return on Equity-0.26%-4.12%-2.87%-5.60%-83.29%-8,303 bps
Net Interest Margin3.20%3.07%3.10%3.30%3.01%-19 bps
Efficiency Ratio100.63%105.72%104.07%101.06%248%+14,767 bps
Growth
Asset Growth (YoY)15.00%10.54%7.70%1.12%-1.69%-1,669 bps
Loan Growth (YoY)-7.16%-6.20%-8.35%-7.06%-6.15%+101 bps
Share Growth (YoY)17.14%12.52%9.47%2.19%-0.56%-1,769 bps
Asset Quality
Delinquent Loans / Loans1.24%1.65%2.49%2.17%4.00%+275 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.61%0.64%0.56%1.03%1.03%+42 bps
Capital
Risk-Based Capital10.14%9.79%9.99%10.13%8.09%-205 bps
Net Worth / Assets10.14%9.79%9.99%10.13%8.09%-205 bps
Liquidity & Funding
Loans / Shares53.48%51.45%50.66%54.27%50.47%-301 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps