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Arlington Hotel

Hot Springs, AR · Charter 24144

NCUA · 3 branches

Q1 2017

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 2017, the quarter ended March 31, 2017, 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

Arlington Hotel

Hot Springs, AR · Charter 24144

NCUA · 3 branches

Q1 2017

$133KAssets
$130KLoans
$105KShares
$25KNet 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 -2.82%, up 2,618 bps year over year; NIM at 12.64%.
  • Asset quality: problem loans at 26.10% of loans (-116 bps YoY).
  • Capital: net worth / assets of 18.86%, up 33 bps from a year ago.
  • Funding: loans stand at 123.82% of shares as of Q1 2017.

Financial Results

Return on Assets (YTD, annualized)

-2.82%+2,618 bps YoY

Net Interest Margin (YTD, annualized)

12.64%-286 bps YoY

Efficiency Ratio (YTD, annualized)

119.81%+3,003 bps YoY

Net Worth / Assets

18.86%+33 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2016Q2 2016Q3 2016Q4 2016Q1 2017YoY ΔTrend
Earnings
Return on Assets-29.00%-21.34%-14.58%-13.09%-2.82%+2,618 bps
Return on Equity-156.51%-106.09%-75.49%-71.64%-14.95%+14,156 bps
Net Interest Margin15.51%14.47%13.24%13.08%12.64%-286 bps
Efficiency Ratio89.77%119.30%117.27%125.21%119.81%+3,003 bps
Growth
Asset Growth (YoY)-20.32%-31.68%-31.25%-25.19%-22.25%-193 bps
Loan Growth (YoY)-6.41%-4.40%-14.77%-6.49%-3.46%+295 bps
Share Growth (YoY)-13.49%-28.64%-28.54%-20.29%-23.12%-963 bps
Asset Quality
Delinquent Loans / Loans27.26%30.66%28.04%19.96%26.10%-116 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans13.94%13.15%17.92%13.40%15.88%+193 bps
Capital
Risk-Based Capital18.53%20.11%19.31%18.27%18.86%+33 bps
Net Worth / Assets18.53%20.11%19.31%18.27%18.86%+33 bps
Liquidity & Funding
Loans / Shares98.61%108.40%104.20%134.50%123.82%+2,522 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps