PackageTrendsPeer
Letter portraitLegal landscape

Judd`s

Washington, DC · Charter 560

NCUA · 1 branch

Q3 2019

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 2019, the quarter ended September 30, 2019, 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

Judd`s

Washington, DC · Charter 560

NCUA · 1 branch

Q3 2019

$1.7MAssets
$708KLoans
$1.5MShares
$275KNet 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 -0.99%, up 72 bps year over year; NIM at 3.69%.
  • Asset quality: problem loans at 0.00% of loans (-78 bps YoY).
  • Capital: net worth / assets of 15.90%, up 70 bps from a year ago.
  • Funding: loans stand at 48.77% of shares as of Q3 2019.

Financial Results

Return on Assets (YTD, annualized)

-0.99%+72 bps YoY

Net Interest Margin (YTD, annualized)

3.69%+41 bps YoY

Efficiency Ratio (YTD, annualized)

132.08%+425 bps YoY

Net Worth / Assets

15.90%+70 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2018Q4 2018Q1 2019Q2 2019Q3 2019YoY ΔTrend
Earnings
Return on Assets-1.70%-1.79%-1.21%-0.76%-0.99%+72 bps
Return on Equity-11.20%-11.82%-8.22%-4.89%-6.20%+501 bps
Net Interest Margin3.29%3.44%3.19%3.58%3.69%+41 bps
Efficiency Ratio127.83%124.80%134.44%129.85%132.08%+425 bps
Growth
Asset Growth (YoY)-1.82%-4.57%-3.55%-8.21%-11.42%-961 bps
Loan Growth (YoY)-16.35%-7.92%-9.85%-15.47%-9.31%+704 bps
Share Growth (YoY)-0.60%-3.31%-2.33%-8.44%-12.25%-1,165 bps
Asset Quality
Delinquent Loans / Loans0.78%0.35%0.00%0.00%0.00%-78 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.07%1.67%1.53%1.37%1.64%+58 bps
Capital
Risk-Based Capital15.20%15.12%14.71%15.60%15.90%+70 bps
Net Worth / Assets15.20%15.12%14.71%15.60%15.90%+70 bps
Liquidity & Funding
Loans / Shares47.19%49.68%44.79%44.43%48.77%+158 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps