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Stevenson

Stevenson, AL · Charter 5445

Q1 2013

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 2013, the quarter ended March 31, 2013, 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

Stevenson

Stevenson, AL · Charter 5445

Q1 2013

$11.4MAssets
$8.9MLoans
$12.4MShares
$-1072KNet 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 -40.08%, down 4,047 bps year over year; NIM at 5.83%.
  • Asset quality: problem loans at 17.42% of loans (+1,092 bps YoY).
  • Capital: net worth / assets of -9.39%, down 2,015 bps from a year ago.
  • Funding: loans stand at 71.66% of shares as of Q1 2013.

Financial Results

Return on Assets (YTD, annualized)

-40.08%-4,047 bps YoY

Net Interest Margin (YTD, annualized)

5.83%+165 bps YoY

Efficiency Ratio (YTD, annualized)

168.33%+10,170 bps YoY

Net Worth / Assets

-9.39%-2,015 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2012Q2 2012Q3 2012Q4 2012Q1 2013YoY ΔTrend
Earnings
Return on Assets0.39%-2.72%-9.85%-12.23%-40.08%-4,047 bps
Return on Equity3.62%-28.72%-219%-2373%n/an/a
Net Interest Margin4.18%4.23%4.49%4.81%5.83%+165 bps
Efficiency Ratio66.63%66.75%69.54%72.55%168.33%+10,170 bps
Growth
Asset Growth (YoY)14.07%7.30%-4.69%-13.39%-31.20%-4,527 bps
Loan Growth (YoY)5.75%0.62%-5.28%-19.34%-28.04%-3,379 bps
Share Growth (YoY)15.70%9.81%2.65%-3.22%-15.20%-3,090 bps
Asset Quality
Delinquent Loans / Loans6.50%11.33%13.40%6.58%17.42%+1,092 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.04%3.07%10.20%10.83%16.58%+1,454 bps
Capital
Risk-Based Capital10.76%9.49%4.49%0.52%-9.39%-2,015 bps
Net Worth / Assets10.76%9.49%4.49%0.52%-9.39%-2,015 bps
Liquidity & Funding
Loans / Shares84.44%83.98%85.90%74.95%71.66%-1,278 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps