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Florence Dupont Employees

Florence, SC · Charter 22384

NCUA · 2 branches

Q2 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: Q2 2016, the quarter ended June 30, 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

Florence Dupont Employees

Florence, SC · Charter 22384

NCUA · 2 branches

Q2 2016

$35.9MAssets
$23.4MLoans
$35.4MShares
$501KNet 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 -7.26%, up 85 bps year over year; NIM at 3.97%.
  • Asset quality: problem loans at 15.20% of loans (+38 bps YoY).
  • Capital: net worth / assets of 1.40%, down 796 bps from a year ago.
  • Funding: loans stand at 66.09% of shares as of Q2 2016.

Financial Results

Return on Assets (YTD, annualized)

-7.26%+85 bps YoY

Net Interest Margin (YTD, annualized)

3.97%-168 bps YoY

Efficiency Ratio (YTD, annualized)

73.00%+3,572 bps YoY

Net Worth / Assets

1.40%-796 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2015Q3 2015Q4 2015Q1 2016Q2 2016YoY ΔTrend
Earnings
Return on Assets-8.11%-7.86%-10.44%-10.08%-7.26%+85 bps
Return on Equity-86.63%-103.13%-209%-390%-520%-43,294 bps
Net Interest Margin5.65%5.35%5.63%4.47%3.97%-168 bps
Efficiency Ratio37.28%40.90%49.02%58.46%73.00%+3,572 bps
Growth
Asset Growth (YoY)18.81%3.94%-17.13%-13.13%-13.57%-3,238 bps
Loan Growth (YoY)17.37%-9.08%-27.77%-35.25%-37.80%-5,517 bps
Share Growth (YoY)29.14%21.05%2.22%-4.15%-5.86%-3,500 bps
Asset Quality
Delinquent Loans / Loans14.82%15.18%16.70%13.91%15.20%+38 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans5.79%5.78%5.44%6.85%6.34%+55 bps
Capital
Risk-Based Capital9.36%7.62%5.00%2.58%1.40%-796 bps
Net Worth / Assets9.36%7.62%5.00%2.58%1.40%-796 bps
Liquidity & Funding
Loans / Shares100.04%87.56%87.61%76.78%66.09%-3,394 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps