PackageTrendsPeer
Letter portraitLegal landscape

Fcamec

Tallahassee, FL · Charter 22380

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

Fcamec

Tallahassee, FL · Charter 22380

NCUA · 1 branch

Q4 2016

$1.6MAssets
$896KLoans
$1.6MShares
$39KNet 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 -2.32%, up 215 bps year over year; NIM at 1.43%.
  • Asset quality: problem loans at 4.42% of loans (+269 bps YoY).
  • Capital: net worth / assets of 2.43%, down 228 bps from a year ago.
  • Funding: loans stand at 57.70% of shares as of Q4 2016.

Financial Results

Return on Assets (YTD, annualized)

-2.32%+215 bps YoY

Net Interest Margin (YTD, annualized)

1.43%-333 bps YoY

Efficiency Ratio (YTD, annualized)

118.19%-2,472 bps YoY

Net Worth / Assets

2.43%-228 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2015Q1 2016Q2 2016Q3 2016Q4 2016YoY ΔTrend
Earnings
Return on Assets-4.46%5.17%3.17%-0.05%-2.32%+215 bps
Return on Equity-94.77%97.74%59.17%-0.98%-95.46%-69 bps
Net Interest Margin4.76%4.91%4.55%4.51%1.43%-333 bps
Efficiency Ratio142.92%73.03%74.30%100.81%118.19%-2,472 bps
Growth
Asset Growth (YoY)-6.83%-10.18%3.74%10.06%0.94%+778 bps
Loan Growth (YoY)-10.67%-16.24%6.74%5.64%3.36%+1,403 bps
Share Growth (YoY)-4.07%-8.01%3.45%11.17%4.54%+861 bps
Asset Quality
Delinquent Loans / Loans1.73%1.72%4.80%4.21%4.42%+269 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.26%2.30%1.66%1.52%4.97%+271 bps
Capital
Risk-Based Capital4.71%5.29%5.36%5.21%2.43%-228 bps
Net Worth / Assets4.71%5.29%5.36%5.21%2.43%-228 bps
Liquidity & Funding
Loans / Shares58.36%61.34%59.95%56.43%57.70%-66 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps