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Central Electric

Jefferson City, MO · Charter 64533

Q4 2015

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 2015, the quarter ended December 31, 2015, 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

Central Electric

Jefferson City, MO · Charter 64533

Q4 2015

$1.7MAssets
$1.5MLoans
$1.6MShares
$105KNet 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 -1.93%, down 123 bps year over year; NIM at 2.55%.
  • Asset quality: problem loans at 0.95% of loans (+70 bps YoY).
  • Capital: net worth / assets of 6.07%, down 192 bps from a year ago.
  • Funding: loans stand at 92.73% of shares as of Q4 2015.

Financial Results

Return on Assets (YTD, annualized)

-1.93%-123 bps YoY

Net Interest Margin (YTD, annualized)

2.55%-81 bps YoY

Efficiency Ratio (YTD, annualized)

172.73%+7,370 bps YoY

Net Worth / Assets

6.07%-192 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2014Q1 2015Q2 2015Q3 2015Q4 2015YoY ΔTrend
Earnings
Return on Assets-0.69%0.17%0.06%0.11%-1.93%-123 bps
Return on Equity-8.64%2.14%0.72%1.47%-31.71%-2,307 bps
Net Interest Margin3.36%3.54%3.51%3.47%2.55%-81 bps
Efficiency Ratio99.03%99.22%95.46%95.68%172.73%+7,370 bps
Growth
Asset Growth (YoY)-0.84%-2.73%-3.47%0.60%-0.06%+78 bps
Loan Growth (YoY)30.01%14.31%4.57%-4.76%-10.63%-4,064 bps
Share Growth (YoY)-0.20%-2.44%-3.33%0.86%1.16%+136 bps
Asset Quality
Delinquent Loans / Loans0.25%0.27%1.43%0.91%0.95%+70 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.53%0.52%0.66%0.61%0.64%+12 bps
Capital
Risk-Based Capital8.00%7.73%7.75%7.62%6.07%-192 bps
Net Worth / Assets8.00%7.73%7.75%7.62%6.07%-192 bps
Liquidity & Funding
Loans / Shares104.96%94.25%92.08%92.45%92.73%-1,223 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps