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Greater Galilee Baptist

Milwaukee, WI · Charter 66806

NCUA · 1 branch

Q4 2019

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 2019, the quarter ended December 31, 2019, 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

Greater Galilee Baptist

Milwaukee, WI · Charter 66806

NCUA · 1 branch

Q4 2019

$238KAssets
$181KLoans
$228KShares
$7KNet 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 -3.88%, down 486 bps year over year; NIM at 6.25%.
  • Asset quality: problem loans at 17.46% of loans (+1,597 bps YoY).
  • Capital: net worth / assets of 3.12%, down 450 bps from a year ago.
  • Funding: loans stand at 79.42% of shares as of Q4 2019.

Financial Results

Return on Assets (YTD, annualized)

-3.88%-486 bps YoY

Net Interest Margin (YTD, annualized)

6.25%-62 bps YoY

Efficiency Ratio (YTD, annualized)

143.91%+5,706 bps YoY

Net Worth / Assets

3.12%-450 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2018Q1 2019Q2 2019Q3 2019Q4 2019YoY ΔTrend
Earnings
Return on Assets0.98%-2.45%0.35%3.47%-3.88%-486 bps
Return on Equity12.84%-34.23%5.01%50.79%-124.20%-13,704 bps
Net Interest Margin6.87%5.79%6.01%6.23%6.25%-62 bps
Efficiency Ratio86.85%142.34%95.08%63.51%143.91%+5,706 bps
Growth
Asset Growth (YoY)-13.12%-17.51%11.24%12.00%8.89%+2,201 bps
Loan Growth (YoY)-23.70%-17.91%53.26%49.82%59.97%+8,366 bps
Share Growth (YoY)-14.91%-18.44%11.52%13.65%13.89%+2,880 bps
Asset Quality
Delinquent Loans / Loans1.49%0.00%0.00%0.38%17.46%+1,597 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans5.47%5.35%3.22%3.34%3.42%-205 bps
Capital
Risk-Based Capital7.63%7.17%7.06%6.83%3.12%-450 bps
Net Worth / Assets7.63%7.17%7.06%6.83%3.12%-450 bps
Liquidity & Funding
Loans / Shares56.55%58.92%86.13%81.61%79.42%+2,287 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps