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Piedmont Hospital

Atlanta, GA · Charter 24442

NCUA · 4 branches

Q1 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: Q1 2018, the quarter ended March 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

Piedmont Hospital

Atlanta, GA · Charter 24442

NCUA · 4 branches

Q1 2018

$32.5MAssets
$13.0MLoans
$27.9MShares
$4.3MNet 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 0.62%, up 169 bps year over year; NIM at 3.37%.
  • Asset quality: problem loans at 1.88% of loans (+42 bps YoY).
  • Capital: net worth / assets of 13.23%, up 21 bps from a year ago.
  • Funding: loans stand at 46.47% of shares as of Q1 2018.

Financial Results

Return on Assets (YTD, annualized)

0.62%+169 bps YoY

Net Interest Margin (YTD, annualized)

3.37%-1 bps YoY

Efficiency Ratio (YTD, annualized)

88.13%-1,422 bps YoY

Net Worth / Assets

13.23%+21 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2017Q2 2017Q3 2017Q4 2017Q1 2018YoY ΔTrend
Earnings
Return on Assets-1.07%-0.81%-0.57%-0.27%0.62%+169 bps
Return on Equity-8.25%-6.36%-4.40%-2.06%4.65%+1,290 bps
Net Interest Margin3.38%3.33%3.46%3.43%3.37%-1 bps
Efficiency Ratio102.35%97.86%96.20%94.42%88.13%-1,422 bps
Growth
Asset Growth (YoY)-2.45%-3.93%-2.73%-2.95%-0.46%+199 bps
Loan Growth (YoY)-0.27%3.02%1.01%-3.13%-8.80%-853 bps
Share Growth (YoY)-2.11%-3.96%-2.90%-3.11%-0.91%+120 bps
Asset Quality
Delinquent Loans / Loans1.46%1.44%1.40%1.73%1.88%+42 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.48%2.56%2.54%2.39%2.29%-19 bps
Capital
Risk-Based Capital13.01%12.68%13.05%13.10%13.23%+21 bps
Net Worth / Assets13.01%12.68%13.05%13.10%13.23%+21 bps
Liquidity & Funding
Loans / Shares50.49%50.45%51.92%49.81%46.47%-402 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps