PackageTrendsPeer
Letter portraitLegal landscape

Rabun-Tallulah

Clayton, GA · Charter 22672

NCUA · 1 branch

Q3 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: Q3 2018, the quarter ended September 30, 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

Rabun-Tallulah

Clayton, GA · Charter 22672

NCUA · 1 branch

Q3 2018

$679KAssets
$99KLoans
$593KShares
$86KNet 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 -12.11%, down 1,133 bps year over year; NIM at -2.01%.
  • Asset quality: problem loans at 1.16% of loans (-562 bps YoY).
  • Capital: net worth / assets of 12.63%, down 998 bps from a year ago.
  • Funding: loans stand at 16.63% of shares as of Q3 2018.

Financial Results

Return on Assets (YTD, annualized)

-12.11%-1,133 bps YoY

Net Interest Margin (YTD, annualized)

-2.01%-317 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

12.63%-998 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2017Q4 2017Q1 2018Q2 2018Q3 2018YoY ΔTrend
Earnings
Return on Assets-0.78%-1.19%-2.27%-12.14%-12.11%-1,133 bps
Return on Equity-3.44%-5.41%-11.77%-79.44%-95.83%-9,239 bps
Net Interest Margin1.15%1.18%0.80%0.62%-2.01%-317 bps
Efficiency Ratio166.21%199.46%377%1919%n/an/a
Growth
Asset Growth (YoY)3.92%3.53%14.51%5.82%1.42%-250 bps
Loan Growth (YoY)-21.91%-3.38%-3.42%-19.50%-18.29%+363 bps
Share Growth (YoY)6.70%6.33%21.47%17.02%14.78%+808 bps
Asset Quality
Delinquent Loans / Loans6.78%14.20%4.95%1.38%1.16%-562 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.99%1.73%1.87%0.00%0.00%-199 bps
Capital
Risk-Based Capital22.61%22.02%19.25%15.28%12.63%-998 bps
Net Worth / Assets22.61%22.02%19.25%15.28%12.63%-998 bps
Liquidity & Funding
Loans / Shares23.36%26.66%21.41%16.10%16.63%-673 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps