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Southeast Affiliated Federal Emp CU

Beaumont, TX · Charter 67501

NCUA · 1 branch

Q4 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: Q4 2017, the quarter ended December 31, 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

Southeast Affiliated Federal Emp CU

Beaumont, TX · Charter 67501

NCUA · 1 branch

Q4 2017

$11.4MAssets
$4.0MLoans
$10.0MShares
$1.1MNet 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 -0.46%, down 46 bps year over year; NIM at 2.89%.
  • Asset quality: problem loans at 0.03% of loans (-314 bps YoY).
  • Capital: net worth / assets of 9.22%, down 69 bps from a year ago.
  • Funding: loans stand at 40.21% of shares as of Q4 2017.

Financial Results

Return on Assets (YTD, annualized)

-0.46%-46 bps YoY

Net Interest Margin (YTD, annualized)

2.89%+12 bps YoY

Efficiency Ratio (YTD, annualized)

110.30%+838 bps YoY

Net Worth / Assets

9.22%-69 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets0.00%-0.40%-0.22%-0.58%-0.46%-46 bps
Return on Equity0.02%-4.08%-2.15%-6.26%-4.94%-496 bps
Net Interest Margin2.78%2.95%3.02%2.90%2.89%+12 bps
Efficiency Ratio101.92%103.65%108.44%112.16%110.30%+838 bps
Growth
Asset Growth (YoY)0.54%-1.01%-1.25%2.42%0.86%+32 bps
Loan Growth (YoY)-8.71%-12.17%-10.48%-8.74%-11.49%-278 bps
Share Growth (YoY)-2.38%-0.88%-1.22%-1.19%-0.92%+145 bps
Asset Quality
Delinquent Loans / Loans3.17%1.38%0.25%0.41%0.03%-314 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.17%1.34%1.25%0.62%0.37%-80 bps
Capital
Risk-Based Capital9.91%9.78%10.08%9.28%9.22%-69 bps
Net Worth / Assets9.91%9.78%10.08%9.28%9.22%-69 bps
Liquidity & Funding
Loans / Shares45.01%43.38%45.03%42.61%40.21%-480 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps