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Beech Island

Beech Island, SC · Charter 60810

NCUA · 2 branches

Q3 2016

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 2016, the quarter ended September 30, 2016, 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

Beech Island

Beech Island, SC · Charter 60810

NCUA · 2 branches

Q3 2016

$6.7MAssets
$2.8MLoans
$5.9MShares
$741KNet 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 -1.69%, down 20 bps year over year; NIM at 2.59%.
  • Asset quality: problem loans at 0.52% of loans (+32 bps YoY).
  • Capital: net worth / assets of 11.11%, down 255 bps from a year ago.
  • Funding: loans stand at 47.98% of shares as of Q3 2016.

Financial Results

Return on Assets (YTD, annualized)

-1.69%-20 bps YoY

Net Interest Margin (YTD, annualized)

2.59%-32 bps YoY

Efficiency Ratio (YTD, annualized)

147.53%+1,142 bps YoY

Net Worth / Assets

11.11%-255 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets-1.49%-1.43%-2.10%-2.00%-1.69%-20 bps
Return on Equity-10.90%-10.73%-16.72%-16.66%-15.20%-430 bps
Net Interest Margin2.92%2.91%2.84%2.72%2.59%-32 bps
Efficiency Ratio136.11%134.74%154.42%154.42%147.53%+1,142 bps
Growth
Asset Growth (YoY)-2.36%0.07%1.83%3.27%7.86%+1,022 bps
Loan Growth (YoY)-11.06%-9.50%-6.92%-2.23%-1.03%+1,003 bps
Share Growth (YoY)-0.61%1.68%4.18%5.91%11.00%+1,160 bps
Asset Quality
Delinquent Loans / Loans0.20%0.86%0.72%0.00%0.52%+32 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.06%1.13%1.16%1.17%1.19%+14 bps
Capital
Risk-Based Capital13.66%13.28%12.57%11.98%11.11%-255 bps
Net Worth / Assets13.66%13.28%12.57%11.98%11.11%-255 bps
Liquidity & Funding
Loans / Shares53.81%52.55%49.87%49.60%47.98%-583 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps