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G.C.I.U. Local 235

Independence, MO · Charter 64668

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 2026-10-11

G.C.I.U. Local 235

Independence, MO · Charter 64668

NCUA · 1 branch

Q4 2016

$105KAssets
$62KLoans
$101KShares
$4KNet 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 -3.82%, down 237 bps year over year; NIM at 5.02%.
  • Asset quality: problem loans at 18.96% of loans (+1,538 bps YoY).
  • Capital: net worth / assets of 3.48%, down 398 bps from a year ago.
  • Funding: loans stand at 61.36% of shares as of Q4 2016.

Financial Results

Return on Assets (YTD, annualized)

-3.82%-237 bps YoY

Net Interest Margin (YTD, annualized)

5.02%-52 bps YoY

Efficiency Ratio (YTD, annualized)

156.64%+3,420 bps YoY

Net Worth / Assets

3.48%-398 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2015Q1 2016Q2 2016Q3 2016Q4 2016YoY ΔTrend
Earnings
Return on Assets-1.45%-1.19%-1.37%-2.98%-3.82%-237 bps
Return on Equity-19.41%-17.12%-20.79%-66.17%-109.65%-9,024 bps
Net Interest Margin5.54%6.21%5.71%4.81%5.02%-52 bps
Efficiency Ratio122.44%119.03%123.79%137.14%156.64%+3,420 bps
Growth
Asset Growth (YoY)5.85%3.28%7.15%35.30%2.30%-355 bps
Loan Growth (YoY)28.02%25.44%36.44%2.72%-19.48%-4,750 bps
Share Growth (YoY)8.16%5.40%9.78%43.46%6.69%-147 bps
Asset Quality
Delinquent Loans / Loans3.57%3.97%4.09%4.26%18.96%+1,538 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%1.59%1.62%+162 bps
Capital
Risk-Based Capital7.46%6.97%6.60%4.50%3.48%-398 bps
Net Worth / Assets7.46%6.97%6.60%4.50%3.48%-398 bps
Liquidity & Funding
Loans / Shares81.30%70.50%68.18%58.35%61.36%-1,994 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps