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Springfield Catholic

Springfield, MO · Charter 61867

NCUA · 1 branch

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 2026-10-11

Springfield Catholic

Springfield, MO · Charter 61867

NCUA · 1 branch

Q2 2018

$3.6MAssets
$1.9MLoans
$3.1MShares
$456KNet 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 -13.72%, down 1,338 bps year over year; NIM at -3.46%.
  • Asset quality: problem loans at 0.00% of loans (-41 bps YoY).
  • Capital: net worth / assets of 12.76%, down 508 bps from a year ago.
  • Funding: loans stand at 60.79% of shares as of Q2 2018.

Financial Results

Return on Assets (YTD, annualized)

-13.72%-1,338 bps YoY

Net Interest Margin (YTD, annualized)

-3.46%-679 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

12.76%-508 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2017Q3 2017Q4 2017Q1 2018Q2 2018YoY ΔTrend
Earnings
Return on Assets-0.34%-0.30%-0.23%0.29%-13.72%-1,338 bps
Return on Equity-1.89%-1.68%-1.31%1.59%-107.55%-10,566 bps
Net Interest Margin3.33%3.31%3.41%3.78%-3.46%-679 bps
Efficiency Ratio110.24%108.89%106.64%95.84%n/an/a
Growth
Asset Growth (YoY)2.52%1.65%3.81%0.53%-9.39%-1,191 bps
Loan Growth (YoY)-9.73%1.36%10.74%12.29%13.10%+2,283 bps
Share Growth (YoY)3.37%2.37%4.82%0.72%-3.71%-708 bps
Asset Quality
Delinquent Loans / Loans0.41%0.29%0.24%0.00%0.00%-41 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.19%0.18%0.18%0.11%0.12%-8 bps
Capital
Risk-Based Capital17.84%17.63%17.73%18.11%12.76%-508 bps
Net Worth / Assets17.84%17.63%17.73%18.11%12.76%-508 bps
Liquidity & Funding
Loans / Shares51.75%56.53%59.58%61.33%60.79%+904 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps