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South Community

St. Louis, MO · Charter 64761

NCUA · 1 branch

Q2 2018

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: Q2 2018, the quarter ended June 30, 2018, 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

South Community

St. Louis, MO · Charter 64761

NCUA · 1 branch

Q2 2018

$8.5MAssets
$4.7MLoans
$7.6MShares
$886KNet Worth

Executive Summary

  • Earnings: ROA of -1.25%, down 50 bps year over year; NIM at 3.00%.
  • Asset quality: problem loans at 0.54% of loans (+15 bps YoY).
  • Capital: net worth / assets of 10.39%, down 47 bps from a year ago.
  • Funding: loans stand at 62.18% of shares as of Q2 2018.

Return on Assets (YTD, annualized)

-1.25%-50 bps YoY

Net Interest Margin (YTD, annualized)

3.00%+18 bps YoY

Efficiency Ratio (YTD, annualized)

122.23%+1,553 bps YoY

Net Worth / Assets

10.39%-47 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017Q4 2017Q1 2018Q2 2018YoY ΔTrend
Earnings
Return on Assets-0.14%-0.17%-0.28%-0.75%-0.71%-0.70%-0.60%-1.25%-50 bps
Return on Equity-1.13%-1.44%-2.44%-6.94%-6.51%-6.48%-5.83%-12.03%-509 bps
Net Interest Margin2.76%2.71%2.94%2.83%2.80%2.78%2.77%3.00%+18 bps
Efficiency Ratio108.65%108.00%108.77%106.70%107.31%108.15%111.57%122.23%+1,553 bps
Growth
Asset Growth (YoY)-2.81%-0.70%0.53%8.25%5.82%5.18%1.90%-4.17%-1,242 bps
Loan Growth (YoY)21.75%15.57%10.55%9.23%7.67%-15.87%-12.74%-10.68%-1,991 bps
Share Growth (YoY)-2.83%-0.57%0.88%10.16%7.39%6.74%2.99%-3.95%-1,411 bps
Asset Quality
Delinquent Loans / Loans0.62%0.92%0.55%0.40%0.34%0.10%0.37%0.54%+15 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.65%0.57%0.67%0.65%0.57%0.58%0.58%0.60%-5 bps
Capital
Risk-Based Capital12.14%12.10%11.27%10.86%10.85%10.79%10.30%10.39%-47 bps
Net Worth / Assets12.14%12.10%11.27%10.86%10.85%10.79%10.30%10.39%-47 bps
Liquidity & Funding
Loans / Shares65.79%80.60%69.75%66.87%65.97%63.54%59.09%62.18%-468 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps