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North Jefferson County Catholic

Arnold, MO · Charter 67952

Q3 2011

$955KAssets
$314KLoans
$834KShares
$126KNet 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 -1.98%, up 394 bps year over year; NIM at 2.27%.
  • Asset quality: problem loans at 0.00% of loans (-231 bps YoY).
  • Capital: net worth / assets of 13.18%, down 559 bps from a year ago.
  • Funding: loans stand at 37.69% of shares as of Q3 2011.

Financial Results

Return on Assets (quarter, annualized)

-1.98%+394 bps YoY

Net Interest Margin (quarter, annualized)

2.27%-76 bps YoY

Efficiency Ratio (quarter, annualized)

187.14%+5,120 bps YoY

Net Worth / Assets

13.18%-559 bps YoY

Discrete quarter, annualized.

MetricQ1 2010Q3 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets-5.92%-2.69%-1.87%-1.68%-1.98%+394 bps
Return on Equity-31.54%-14.73%-10.67%-10.23%-15.00%+1,653 bps
Net Interest Margin3.03%2.76%2.39%2.19%2.27%-76 bps
Efficiency Ratio135.94%130.23%172.85%176.14%187.14%+5,120 bps
Growth
Asset Growth (YoY)-9.60%-8.71%-4.00%-0.70%-5.69%+391 bps
Loan Growth (YoY)-10.06%-14.36%-27.78%-29.68%-31.00%-2,093 bps
Share Growth (YoY)-8.94%-7.28%-0.41%3.29%1.68%+1,062 bps
Asset Quality
Delinquent Loans / Loans2.31%0.00%0.00%0.00%0.00%-231 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.07%0.84%1.35%1.32%1.27%-180 bps
Capital
Risk-Based Capital18.77%18.25%17.50%16.39%13.18%-559 bps
Net Worth / Assets18.77%18.25%17.50%16.39%13.18%-559 bps
Liquidity & Funding
Loans / Shares55.54%50.29%48.16%40.07%37.69%-1,785 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps