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Fellowship

San Antonio, TX · Charter 60630

NCUA · 1 branch

Q4 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: Q4 2018, the quarter ended December 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

Fellowship

San Antonio, TX · Charter 60630

NCUA · 1 branch

Q4 2018

$17.8MAssets
$9.4MLoans
$15.1MShares
$2.7MNet 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 -10.90%, down 1,107 bps year over year; NIM at -7.36%.
  • Asset quality: problem loans at 0.08% of loans (-95 bps YoY).
  • Capital: net worth / assets of 15.05%, down 803 bps from a year ago.
  • Funding: loans stand at 62.56% of shares as of Q4 2018.

Financial Results

Return on Assets (YTD, annualized)

-10.90%-1,107 bps YoY

Net Interest Margin (YTD, annualized)

-7.36%-1,023 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

15.05%-803 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2017Q1 2018Q2 2018Q3 2018Q4 2018YoY ΔTrend
Earnings
Return on Assets0.17%0.39%0.34%0.32%-10.90%-1,107 bps
Return on Equity0.73%1.64%1.43%1.30%-72.45%-7,318 bps
Net Interest Margin2.87%2.94%2.90%3.00%-7.36%-1,023 bps
Efficiency Ratio87.70%89.20%90.26%90.78%n/an/a
Growth
Asset Growth (YoY)3.15%-7.28%-5.91%-9.76%-11.07%-1,423 bps
Loan Growth (YoY)-5.96%-7.66%-9.82%-10.86%-11.45%-549 bps
Share Growth (YoY)4.01%-9.51%-7.90%-12.94%-1.74%-575 bps
Asset Quality
Delinquent Loans / Loans1.03%0.04%0.13%0.34%0.08%-95 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.61%0.51%0.46%0.52%0.45%-16 bps
Capital
Risk-Based Capital23.08%23.86%23.91%24.79%15.05%-803 bps
Net Worth / Assets23.08%23.86%23.91%24.79%15.05%-803 bps
Liquidity & Funding
Loans / Shares69.42%68.90%67.53%69.13%62.56%-685 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps