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Louisville Police Officers

Louisville, KY · Charter 61772

NCUA · 2 branches

Q2 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: Q2 2018, the quarter ended June 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 2026-10-10

Louisville Police Officers

Louisville, KY · Charter 61772

NCUA · 2 branches

Q2 2018

$18.6MAssets
$11.4MLoans
$20.8MShares
$-2648KNet 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 -23.56%, down 2,499 bps year over year; NIM at 4.31%.
  • Asset quality: problem loans at 2.97% of loans (+132 bps YoY).
  • Capital: net worth / assets of -14.25%, down 2,537 bps from a year ago.
  • Funding: loans stand at 54.85% of shares as of Q2 2018.

Financial Results

Return on Assets (YTD, annualized)

-23.56%-2,499 bps YoY

Net Interest Margin (YTD, annualized)

4.31%-14 bps YoY

Efficiency Ratio (YTD, annualized)

448%+37,891 bps YoY

Net Worth / Assets

-14.25%-2,537 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2017Q3 2017Q4 2017Q1 2018Q2 2018YoY ΔTrend
Earnings
Return on Assets1.43%1.36%-13.60%-32.67%-23.56%-2,499 bps
Return on Equity12.89%12.09%n/an/an/an/a
Net Interest Margin4.45%4.34%4.63%4.17%4.31%-14 bps
Efficiency Ratio69.40%69.66%315%669%448%+37,891 bps
Growth
Asset Growth (YoY)7.68%5.80%-7.03%-24.41%-34.49%-4,217 bps
Loan Growth (YoY)-1.41%-2.57%-16.89%-27.56%-34.83%-3,342 bps
Share Growth (YoY)5.40%5.46%1.84%-6.95%-16.21%-2,162 bps
Asset Quality
Delinquent Loans / Loans1.65%1.75%9.04%4.10%2.97%+132 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.40%1.45%2.88%3.81%3.84%+245 bps
Capital
Risk-Based Capital11.12%11.28%-1.86%-10.39%-14.25%-2,537 bps
Net Worth / Assets11.12%11.28%-1.86%-10.39%-14.25%-2,537 bps
Liquidity & Funding
Loans / Shares70.52%68.99%60.55%54.75%54.85%-1,567 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps