PackageTrendsPeer
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Sunland

Marianna, FL · Charter 67291

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

Sunland

Marianna, FL · Charter 67291

NCUA · 1 branch

Q2 2018

$1.6MAssets
$846KLoans
$1.3MShares
$339KNet Worth

Executive Summary

  • Earnings: ROA of -1.09%, down 87 bps year over year; NIM at 6.09%.
  • Asset quality: problem loans at 0.00% of loans (-714 bps YoY).
  • Capital: net worth / assets of 20.61%, down 820 bps from a year ago.
  • Funding: loans stand at 64.96% of shares as of Q2 2018.

Return on Assets (YTD, annualized)

-1.09%-87 bps YoY

Net Interest Margin (YTD, annualized)

6.09%+40 bps YoY

Efficiency Ratio (YTD, annualized)

117.70%+3,158 bps YoY

Net Worth / Assets

20.61%-820 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017Q4 2017Q1 2018Q2 2018YoY ΔTrend
Earnings
Return on Assets0.46%0.73%0.45%-0.22%0.74%0.68%-0.31%-1.09%-87 bps
Return on Equity1.72%2.73%1.55%-0.75%2.85%2.47%-1.05%-5.28%-453 bps
Net Interest Margin5.66%5.76%6.22%5.69%6.11%6.36%6.16%6.09%+40 bps
Efficiency Ratio75.93%70.64%80.17%86.12%77.45%81.68%105.08%117.70%+3,158 bps
Growth
Asset Growth (YoY)1.49%2.02%-5.21%-7.39%-10.74%-14.56%-15.52%-28.37%-2,098 bps
Loan Growth (YoY)2.08%-5.40%-9.69%-2.00%-4.39%-21.68%-28.33%-48.48%-4,648 bps
Share Growth (YoY)0.97%2.17%-7.94%-11.23%-10.89%-16.61%-16.59%-18.84%-761 bps
Asset Quality
Delinquent Loans / Loans4.79%6.12%7.26%7.14%9.31%9.24%7.76%0.00%-714 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.20%1.93%2.42%1.97%4.13%2.25%1.65%15.38%+1,341 bps
Capital
Risk-Based Capital26.56%26.94%28.85%28.81%25.94%27.66%29.80%20.61%-820 bps
Net Worth / Assets26.56%26.94%28.85%28.81%25.94%27.66%29.80%20.61%-820 bps
Liquidity & Funding
Loans / Shares91.91%94.13%96.69%102.34%98.62%88.41%83.08%64.96%-3,738 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps