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Alexandria Telephone

Alexandria, LA · Charter 60309

NCUA · 1 branch

Q3 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: Q3 2018, the quarter ended September 30, 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

Alexandria Telephone

Alexandria, LA · Charter 60309

NCUA · 1 branch

Q3 2018

$7.6MAssets
$3.1MLoans
$7.0MShares
$607KNet 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 -1.78%, down 23 bps year over year; NIM at 2.60%.
  • Asset quality: problem loans at 0.00% of loans (-173 bps YoY).
  • Capital: net worth / assets of 8.01%, down 148 bps from a year ago.
  • Funding: loans stand at 44.87% of shares as of Q3 2018.

Financial Results

Return on Assets (YTD, annualized)

-1.78%-23 bps YoY

Net Interest Margin (YTD, annualized)

2.60%+10 bps YoY

Efficiency Ratio (YTD, annualized)

138.87%-1,451 bps YoY

Net Worth / Assets

8.01%-148 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2017Q4 2017Q1 2018Q2 2018Q3 2018YoY ΔTrend
Earnings
Return on Assets-1.55%-1.56%-2.97%-2.15%-1.78%-23 bps
Return on Equity-16.30%-17.01%-35.73%-26.20%-22.20%-590 bps
Net Interest Margin2.50%2.56%2.58%2.51%2.60%+10 bps
Efficiency Ratio153.39%148.23%143.19%144.85%138.87%-1,451 bps
Growth
Asset Growth (YoY)-8.08%-6.24%-4.73%-7.76%-2.53%+555 bps
Loan Growth (YoY)-6.75%-10.69%-10.80%-12.07%-8.43%-168 bps
Share Growth (YoY)-7.18%-5.33%-3.27%-6.65%-0.93%+625 bps
Asset Quality
Delinquent Loans / Loans1.73%0.74%0.25%0.00%0.00%-173 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.47%1.29%1.76%1.92%1.93%+45 bps
Capital
Risk-Based Capital9.49%9.20%8.31%8.21%8.01%-148 bps
Net Worth / Assets9.49%9.20%8.31%8.21%8.01%-148 bps
Liquidity & Funding
Loans / Shares48.55%48.52%45.30%44.62%44.87%-368 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps