PackageTrendsPeer
Letter portraitLegal landscape

Victoria Community

Victoria, KS · Charter 67817

Q4 2013

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 2013, the quarter ended December 31, 2013, 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

Victoria Community

Victoria, KS · Charter 67817

Q4 2013

$540KAssets
$286KLoans
$457KShares
$71KNet 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 -1.40%, down 107 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 0.92% of loans (+92 bps YoY).
  • Capital: net worth / assets of 13.23%, up 39 bps from a year ago.
  • Funding: loans stand at 62.47% of shares as of Q4 2013.

Financial Results

Return on Assets (YTD, annualized)

-1.40%-107 bps YoY

Net Interest Margin (YTD, annualized)

3.78%+6 bps YoY

Efficiency Ratio (YTD, annualized)

133.93%+2,562 bps YoY

Net Worth / Assets

13.23%+39 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2012Q1 2013Q2 2013Q3 2013Q4 2013YoY ΔTrend
Earnings
Return on Assets-0.33%-1.07%-0.97%-1.48%-1.40%-107 bps
Return on Equity-2.57%-8.27%-7.68%-11.86%-10.55%-798 bps
Net Interest Margin3.71%3.47%3.45%3.60%3.78%+6 bps
Efficiency Ratio108.30%128.89%125.51%138.15%133.93%+2,562 bps
Growth
Asset Growth (YoY)-3.30%-4.02%-2.22%-4.86%-12.22%-892 bps
Loan Growth (YoY)-18.80%-10.83%-10.80%-8.83%-8.13%+1,068 bps
Share Growth (YoY)-0.86%-4.07%-1.75%-4.28%-14.55%-1,369 bps
Asset Quality
Delinquent Loans / Loans0.00%1.40%0.00%0.00%0.92%+92 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.69%1.62%1.64%1.75%1.84%+15 bps
Capital
Risk-Based Capital12.84%12.96%12.58%12.52%13.23%+39 bps
Net Worth / Assets12.84%12.96%12.58%12.52%13.23%+39 bps
Liquidity & Funding
Loans / Shares58.11%62.40%60.47%59.23%62.47%+437 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps