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City of Raleigh Employees

Raleigh, NC · Charter 63424

NCUA · 1 branch

Q4 2016

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 2016, the quarter ended December 31, 2016, 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

City of Raleigh Employees

Raleigh, NC · Charter 63424

NCUA · 1 branch

Q4 2016

$20.3MAssets
$7.3MLoans
$18.2MShares
$2.0MNet Worth

Executive Summary

  • Earnings: ROA of -2.95%, down 311 bps year over year; NIM at -0.34%.
  • Asset quality: problem loans at 0.62% of loans (+3 bps YoY).
  • Capital: net worth / assets of 9.97%, down 334 bps from a year ago.
  • Funding: loans stand at 40.01% of shares as of Q4 2016.

Return on Assets (YTD, annualized)

-2.95%-311 bps YoY

Net Interest Margin (YTD, annualized)

-0.34%-262 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

9.97%-334 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2015Q2 2015Q3 2015Q4 2015Q1 2016Q2 2016Q3 2016Q4 2016YoY ΔTrend
Earnings
Return on Assets0.22%0.27%0.20%0.16%0.05%0.18%0.25%-2.95%-311 bps
Return on Equity1.69%1.98%1.45%1.19%0.41%1.29%1.71%-29.62%-3,080 bps
Net Interest Margin2.12%2.31%2.28%2.27%2.25%2.34%2.40%-0.34%-262 bps
Efficiency Ratio81.01%76.17%75.69%78.02%78.40%78.73%79.61%n/an/a
Growth
Asset Growth (YoY)-4.54%-5.81%-4.52%-0.26%-2.12%-3.84%-5.75%-9.16%-890 bps
Loan Growth (YoY)8.14%10.49%9.91%1.17%1.93%3.19%0.24%-4.34%-551 bps
Share Growth (YoY)-5.67%-7.06%-5.47%-0.48%-2.54%-4.59%-6.87%-5.51%-504 bps
Asset Quality
Delinquent Loans / Loans1.43%1.34%1.34%0.59%0.53%0.91%0.46%0.62%+3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.93%1.02%0.98%0.93%0.92%0.99%0.92%0.81%-11 bps
Capital
Risk-Based Capital13.15%13.53%13.55%13.32%13.55%14.19%14.58%9.97%-334 bps
Net Worth / Assets13.15%13.53%13.55%13.32%13.55%14.19%14.58%9.97%-334 bps
Liquidity & Funding
Loans / Shares39.44%40.69%40.80%39.52%41.24%44.00%43.92%40.01%+49 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps