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West Coast Federal Emp.

Sarasota, FL · Charter 67296

NCUA · 2 branches

Q2 2017

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 2017, the quarter ended June 30, 2017, 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

West Coast Federal Emp.

Sarasota, FL · Charter 67296

NCUA · 2 branches

Q2 2017

$31.6MAssets
$9.9MLoans
$28.1MShares
$3.3MNet 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 -3.73%, down 347 bps year over year; NIM at 2.88%.
  • Asset quality: problem loans at 2.12% of loans (+87 bps YoY).
  • Capital: net worth / assets of 10.58%, down 221 bps from a year ago.
  • Funding: loans stand at 35.10% of shares as of Q2 2017.

Financial Results

Return on Assets (YTD, annualized)

-3.73%-347 bps YoY

Net Interest Margin (YTD, annualized)

2.88%-6 bps YoY

Efficiency Ratio (YTD, annualized)

203%+9,550 bps YoY

Net Worth / Assets

10.58%-221 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2016Q3 2016Q4 2016Q1 2017Q2 2017YoY ΔTrend
Earnings
Return on Assets-0.26%0.03%0.05%-0.21%-3.73%-347 bps
Return on Equity-2.07%0.20%0.41%-1.68%-35.26%-3,319 bps
Net Interest Margin2.93%2.89%2.85%2.88%2.88%-6 bps
Efficiency Ratio107.42%105.92%108.06%105.87%203%+9,550 bps
Growth
Asset Growth (YoY)-1.98%-0.69%-0.70%1.48%4.24%+622 bps
Loan Growth (YoY)-0.34%2.91%-1.52%0.74%0.78%+113 bps
Share Growth (YoY)-1.70%-0.56%-0.75%2.19%7.04%+874 bps
Asset Quality
Delinquent Loans / Loans1.24%0.86%0.95%1.10%2.12%+87 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.83%2.16%1.50%1.39%1.12%-171 bps
Capital
Risk-Based Capital12.79%12.83%12.73%12.54%10.58%-221 bps
Net Worth / Assets12.79%12.83%12.73%12.54%10.58%-221 bps
Liquidity & Funding
Loans / Shares37.28%37.00%36.05%36.17%35.10%-218 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps