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Randolph County School Employees

Elkins, WV · Charter 24190

NCUA · 2 branches

Q3 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: Q3 2016, the quarter ended September 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

Randolph County School Employees

Elkins, WV · Charter 24190

NCUA · 2 branches

Q3 2016

$1.2MAssets
$389KLoans
$1.1MShares
$178KNet 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 0.08%, up 8 bps year over year; NIM at 1.58%.
  • Asset quality: problem loans at 1.39% of loans (-1,000 bps YoY).
  • Capital: net worth / assets of 14.30%, up 131 bps from a year ago.
  • Funding: loans stand at 36.42% of shares as of Q3 2016.

Financial Results

Return on Assets (YTD, annualized)

0.08%+8 bps YoY

Net Interest Margin (YTD, annualized)

1.58%-24 bps YoY

Efficiency Ratio (YTD, annualized)

88.13%-519 bps YoY

Net Worth / Assets

14.30%+131 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets0.01%0.01%0.02%0.08%0.08%+8 bps
Return on Equity0.05%0.04%0.13%0.58%0.57%+52 bps
Net Interest Margin1.82%1.69%1.48%1.77%1.58%-24 bps
Efficiency Ratio93.32%92.48%89.72%87.14%88.13%-519 bps
Growth
Asset Growth (YoY)-10.84%-8.73%-9.87%-10.94%-8.77%+207 bps
Loan Growth (YoY)-0.70%8.30%6.77%-3.00%-1.84%-113 bps
Share Growth (YoY)-10.26%-9.95%-11.26%-12.70%-10.14%+11 bps
Asset Quality
Delinquent Loans / Loans11.39%9.71%9.24%0.00%1.39%-1,000 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.68%2.67%4.34%1.22%1.28%-141 bps
Capital
Risk-Based Capital12.99%13.39%13.09%14.46%14.30%+131 bps
Net Worth / Assets12.99%13.39%13.09%14.46%14.30%+131 bps
Liquidity & Funding
Loans / Shares33.34%32.70%29.83%37.37%36.42%+308 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps