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Communications & Catholic CU

Davenport, IA · Charter 62974

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 2026-10-10

Communications & Catholic CU

Davenport, IA · Charter 62974

NCUA · 1 branch

Q4 2017

$18.8MAssets
$12.3MLoans
$15.7MShares
$2.6MNet 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 0.09%, down 47 bps year over year; NIM at 3.05%.
  • Asset quality: problem loans at 0.15% of loans (-168 bps YoY).
  • Capital: net worth / assets of 13.82%, up 49 bps from a year ago.
  • Funding: loans stand at 78.13% of shares as of Q4 2017.

Financial Results

Return on Assets (YTD, annualized)

0.09%-47 bps YoY

Net Interest Margin (YTD, annualized)

3.05%-8 bps YoY

Efficiency Ratio (YTD, annualized)

95.83%+1,218 bps YoY

Net Worth / Assets

13.82%+49 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets0.57%-0.14%0.13%0.07%0.09%-47 bps
Return on Equity4.27%-1.08%1.00%0.52%0.69%-358 bps
Net Interest Margin3.13%2.80%2.93%2.98%3.05%-8 bps
Efficiency Ratio83.64%103.72%95.44%97.25%95.83%+1,218 bps
Growth
Asset Growth (YoY)-18.57%-7.45%-3.89%-2.53%-4.76%+1,381 bps
Loan Growth (YoY)-16.84%-1.87%2.56%0.82%1.51%+1,835 bps
Share Growth (YoY)-25.88%-11.54%-7.33%-1.95%-1.43%+2,445 bps
Asset Quality
Delinquent Loans / Loans1.82%0.41%0.34%0.24%0.15%-168 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.24%0.85%0.98%0.92%0.93%-31 bps
Capital
Risk-Based Capital13.33%13.13%13.14%13.35%13.82%+49 bps
Net Worth / Assets13.33%13.13%13.14%13.35%13.82%+49 bps
Liquidity & Funding
Loans / Shares75.86%72.21%75.60%78.66%78.13%+227 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps