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Degussa Employees

Theodore, AL · Charter 23893

NCUA · 2 branches

Q4 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: Q4 2018, the quarter ended December 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

Degussa Employees

Theodore, AL · Charter 23893

NCUA · 2 branches

Q4 2018

$8.0MAssets
$5.1MLoans
$6.9MShares
$968KNet Worth

Executive Summary

  • Earnings: ROA of 1.32%, up 5 bps year over year; NIM at 3.89%.
  • Asset quality: problem loans at 0.00% of loans (-55 bps YoY).
  • Capital: net worth / assets of 12.10%, up 122 bps from a year ago.
  • Funding: loans stand at 74.16% of shares as of Q4 2018.

Return on Assets (YTD, annualized)

1.32%+5 bps YoY

Net Interest Margin (YTD, annualized)

3.89%+39 bps YoY

Efficiency Ratio (YTD, annualized)

59.79%-885 bps YoY

Net Worth / Assets

12.10%+122 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2017Q2 2017Q3 2017Q4 2017Q1 2018Q2 2018Q3 2018Q4 2018YoY ΔTrend
Earnings
Return on Assets1.22%1.11%1.19%1.27%1.07%0.75%1.07%1.32%+5 bps
Return on Equity12.13%11.18%11.80%11.67%10.34%7.02%9.32%10.94%-73 bps
Net Interest Margin3.28%3.21%3.33%3.50%3.34%3.52%3.76%3.89%+39 bps
Efficiency Ratio67.42%69.93%68.47%68.64%61.26%60.78%60.14%59.79%-885 bps
Growth
Asset Growth (YoY)4.92%0.45%4.96%5.88%9.23%2.86%-2.94%1.02%-486 bps
Loan Growth (YoY)1.82%5.68%13.21%13.87%18.35%9.70%15.26%18.97%+510 bps
Share Growth (YoY)4.83%0.45%4.21%5.60%9.06%2.15%-8.23%-2.16%-776 bps
Asset Quality
Delinquent Loans / Loans0.00%0.02%0.00%0.55%0.41%0.00%0.00%0.00%-55 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.52%0.50%0.52%0.53%0.52%0.52%0.65%0.65%+12 bps
Capital
Risk-Based Capital10.04%9.97%10.09%10.88%10.35%10.73%11.53%12.10%+122 bps
Net Worth / Assets10.04%9.97%10.09%10.88%10.35%10.73%11.53%12.10%+122 bps
Liquidity & Funding
Loans / Shares54.13%57.10%58.22%60.99%58.74%61.32%73.13%74.16%+1,317 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps