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Century Employees' Savings Fund

Hickory, NC · Charter 62870

NCUA · 2 branches

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

Century Employees' Savings Fund

Hickory, NC · Charter 62870

NCUA · 2 branches

Q3 2017

$8.8MAssets
$3.9MLoans
$6.4MShares
$2.3MNet 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 -8.42%, down 838 bps year over year; NIM at -1.51%.
  • Asset quality: problem loans at 1.00% of loans (+97 bps YoY).
  • Capital: net worth / assets of 26.19%, down 525 bps from a year ago.
  • Funding: loans stand at 60.46% of shares as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

-8.42%-838 bps YoY

Net Interest Margin (YTD, annualized)

-1.51%-452 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

26.19%-525 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets-0.04%-0.04%-0.54%-1.26%-8.42%-838 bps
Return on Equity-0.11%-0.12%-1.73%-4.00%-32.14%-3,202 bps
Net Interest Margin3.01%3.03%3.01%2.99%-1.51%-452 bps
Efficiency Ratio103.41%102.86%104.23%122.68%n/an/a
Growth
Asset Growth (YoY)0.83%6.05%5.02%2.08%-3.29%-413 bps
Loan Growth (YoY)-2.42%-3.89%-2.97%1.02%-5.69%-327 bps
Share Growth (YoY)1.27%9.45%7.84%4.06%3.42%+215 bps
Asset Quality
Delinquent Loans / Loans0.03%0.42%0.67%0.28%1.00%+97 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.07%0.08%0.07%0.35%0.99%+92 bps
Capital
Risk-Based Capital31.45%31.59%31.28%31.42%26.19%-525 bps
Net Worth / Assets31.45%31.59%31.28%31.42%26.19%-525 bps
Liquidity & Funding
Loans / Shares66.29%65.73%62.62%65.87%60.46%-584 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps