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St. Jules

Lafayette, LA · Charter 61654

NCUA · 1 branch

Q3 2017

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 2017, the quarter ended September 30, 2017, 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

St. Jules

Lafayette, LA · Charter 61654

NCUA · 1 branch

Q3 2017

$10.2MAssets
$5.2MLoans
$9.4MShares
$758KNet 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 -0.58%, down 29 bps year over year; NIM at 2.59%.
  • Asset quality: problem loans at 0.14% of loans (-185 bps YoY).
  • Capital: net worth / assets of 7.40%, down 22 bps from a year ago.
  • Funding: loans stand at 55.39% of shares as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

-0.58%-29 bps YoY

Net Interest Margin (YTD, annualized)

2.59%+22 bps YoY

Efficiency Ratio (YTD, annualized)

95.66%-313 bps YoY

Net Worth / Assets

7.40%-22 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets-0.28%-0.59%-0.08%-0.10%-0.58%-29 bps
Return on Equity-3.73%-7.93%-1.10%-1.32%-7.80%-407 bps
Net Interest Margin2.37%2.45%2.41%2.51%2.59%+22 bps
Efficiency Ratio98.79%100.32%102.46%97.51%95.66%-313 bps
Growth
Asset Growth (YoY)3.34%-0.98%-2.35%-3.77%-7.38%-1,072 bps
Loan Growth (YoY)-0.17%0.61%-1.77%0.52%2.21%+239 bps
Share Growth (YoY)3.71%-0.54%-1.99%-3.57%-7.35%-1,106 bps
Asset Quality
Delinquent Loans / Loans2.00%1.02%1.19%1.31%0.14%-185 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.88%1.32%1.20%1.28%1.43%+55 bps
Capital
Risk-Based Capital7.61%7.39%7.32%7.53%7.40%-22 bps
Net Worth / Assets7.61%7.39%7.32%7.53%7.40%-22 bps
Liquidity & Funding
Loans / Shares50.21%50.19%48.63%53.37%55.39%+518 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps