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Eddy Paper Employees

White Pigeon, MI · Charter 61878

NCUA · 1 branch

Q4 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: Q4 2017, the quarter ended December 31, 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

Eddy Paper Employees

White Pigeon, MI · Charter 61878

NCUA · 1 branch

Q4 2017

$523KAssets
$345KLoans
$468KShares
$55KNet 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 -5.24%, down 245 bps year over year; NIM at 6.70%.
  • Asset quality: problem loans at 6.46% of loans (-742 bps YoY).
  • Capital: net worth / assets of 10.54%, down 192 bps from a year ago.
  • Funding: loans stand at 73.84% of shares as of Q4 2017.

Financial Results

Return on Assets (YTD, annualized)

-5.24%-245 bps YoY

Net Interest Margin (YTD, annualized)

6.70%+127 bps YoY

Efficiency Ratio (YTD, annualized)

91.12%+820 bps YoY

Net Worth / Assets

10.54%-192 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets-2.79%1.32%-3.74%-2.70%-5.24%-245 bps
Return on Equity-22.41%9.24%-30.87%-22.03%-49.76%-2,735 bps
Net Interest Margin5.43%6.47%6.13%5.91%6.70%+127 bps
Efficiency Ratio82.92%79.67%83.06%90.67%91.12%+820 bps
Growth
Asset Growth (YoY)-2.75%-16.49%-16.26%-17.39%-21.06%-1,832 bps
Loan Growth (YoY)0.81%-0.40%-15.15%-2.91%-21.15%-2,196 bps
Share Growth (YoY)0.03%-16.28%-14.52%-15.86%-18.49%-1,852 bps
Asset Quality
Delinquent Loans / Loans13.88%12.52%18.91%16.23%6.46%-742 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans5.46%4.68%7.57%6.85%2.43%-303 bps
Capital
Risk-Based Capital12.46%14.24%12.11%12.24%10.54%-192 bps
Net Worth / Assets12.46%14.24%12.11%12.24%10.54%-192 bps
Liquidity & Funding
Loans / Shares76.33%81.66%72.68%82.18%73.84%-249 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps