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Shyann

Cheyenne, WY · Charter 6754

NCUA · 1 branch

Q4 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: Q4 2018, the quarter ended December 31, 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

Shyann

Cheyenne, WY · Charter 6754

NCUA · 1 branch

Q4 2018

$7.4MAssets
$3.4MLoans
$6.5MShares
$920KNet 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 -1.47%, down 90 bps year over year; NIM at 2.74%.
  • Asset quality: problem loans at 0.39% of loans (-49 bps YoY).
  • Capital: net worth / assets of 12.38%, down 4 bps from a year ago.
  • Funding: loans stand at 52.12% of shares as of Q4 2018.

Financial Results

Return on Assets (YTD, annualized)

-1.47%-90 bps YoY

Net Interest Margin (YTD, annualized)

2.74%+42 bps YoY

Efficiency Ratio (YTD, annualized)

124.70%+877 bps YoY

Net Worth / Assets

12.38%-4 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2017Q1 2018Q2 2018Q3 2018Q4 2018YoY ΔTrend
Earnings
Return on Assets-0.56%-0.76%-1.10%-0.99%-1.47%-90 bps
Return on Equity-4.52%-6.43%-8.87%-7.72%-11.83%-731 bps
Net Interest Margin2.32%2.18%2.34%2.70%2.74%+42 bps
Efficiency Ratio115.93%123.19%132.37%123.75%124.70%+877 bps
Growth
Asset Growth (YoY)-1.11%0.06%-12.66%-10.95%-10.28%-917 bps
Loan Growth (YoY)-0.26%7.50%1.91%0.72%-2.80%-254 bps
Share Growth (YoY)-0.65%0.58%-13.52%-11.65%-10.19%-954 bps
Asset Quality
Delinquent Loans / Loans0.89%0.23%0.81%0.82%0.39%-49 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.40%0.00%0.03%0.20%0.44%+4 bps
Capital
Risk-Based Capital12.43%11.77%12.44%12.85%12.38%-4 bps
Net Worth / Assets12.43%11.77%12.44%12.85%12.38%-4 bps
Liquidity & Funding
Loans / Shares48.16%46.57%50.03%52.20%52.12%+396 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps