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St. Lawrence Columbus

Sterling Hghts, MI · Charter 62030

Q1 2014

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: Q1 2014, the quarter ended March 31, 2014, 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. Lawrence Columbus

Sterling Hghts, MI · Charter 62030

Q1 2014

$6.9MAssets
$2.4MLoans
$6.1MShares
$614KNet 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 -10.82%, down 1,075 bps year over year; NIM at 3.14%.
  • Asset quality: problem loans at 0.35% of loans (-44 bps YoY).
  • Capital: net worth / assets of 8.96%, down 198 bps from a year ago.
  • Funding: loans stand at 39.22% of shares as of Q1 2014.

Financial Results

Return on Assets (YTD, annualized)

-10.82%-1,075 bps YoY

Net Interest Margin (YTD, annualized)

3.14%+29 bps YoY

Efficiency Ratio (YTD, annualized)

401%+29,892 bps YoY

Net Worth / Assets

8.96%-198 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2013Q2 2013Q3 2013Q4 2013Q1 2014YoY ΔTrend
Earnings
Return on Assets-0.06%-0.11%-0.17%-0.13%-10.82%-1,075 bps
Return on Equity-0.58%-1.02%-1.63%-1.15%-120.76%-12,018 bps
Net Interest Margin2.85%2.79%2.67%2.88%3.14%+29 bps
Efficiency Ratio101.91%103.48%105.64%104.02%401%+29,892 bps
Growth
Asset Growth (YoY)1.14%-2.37%1.43%-5.41%-7.15%-829 bps
Loan Growth (YoY)-13.55%-19.22%-16.04%-13.67%-9.79%+375 bps
Share Growth (YoY)1.31%-2.43%1.93%-5.95%-7.62%-892 bps
Asset Quality
Delinquent Loans / Loans0.79%0.17%0.08%0.36%0.35%-44 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.51%0.94%0.77%0.82%0.85%-66 bps
Capital
Risk-Based Capital10.94%11.14%10.70%11.57%8.96%-198 bps
Net Worth / Assets10.94%11.14%10.70%11.57%8.96%-198 bps
Liquidity & Funding
Loans / Shares40.17%37.97%37.86%39.72%39.22%-95 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps