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Community First

Mulberry, FL · Charter 68344

NCUA · 4 branches

Q3 2019

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: Q3 2019, the quarter ended September 30, 2019, 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

Community First

Mulberry, FL · Charter 68344

NCUA · 4 branches

Q3 2019

$80.3MAssets
$49.8MLoans
$64.5MShares
$10.0MNet 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 0.06%, down 34 bps year over year; NIM at 3.27%.
  • Asset quality: problem loans at 1.70% of loans (-95 bps YoY).
  • Capital: net worth / assets of 12.44%, down 15 bps from a year ago.
  • Funding: loans stand at 77.09% of shares as of Q3 2019.

Financial Results

Return on Assets (YTD, annualized)

0.06%-34 bps YoY

Net Interest Margin (YTD, annualized)

3.27%-11 bps YoY

Efficiency Ratio (YTD, annualized)

84.32%+260 bps YoY

Net Worth / Assets

12.44%-15 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2018Q4 2018Q1 2019Q2 2019Q3 2019YoY ΔTrend
Earnings
Return on Assets0.40%0.38%0.00%0.07%0.06%-34 bps
Return on Equity3.14%3.00%0.03%0.56%0.46%-268 bps
Net Interest Margin3.38%3.37%3.07%3.19%3.27%-11 bps
Efficiency Ratio81.72%81.30%86.03%85.53%84.32%+260 bps
Growth
Asset Growth (YoY)-0.86%0.86%3.45%2.45%2.20%+307 bps
Loan Growth (YoY)14.68%8.52%4.08%0.94%0.92%-1,376 bps
Share Growth (YoY)-0.80%-0.18%1.21%-1.62%-0.66%+14 bps
Asset Quality
Delinquent Loans / Loans2.65%1.71%0.80%1.65%1.70%-95 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.14%1.07%1.11%1.23%1.22%+8 bps
Capital
Risk-Based Capital12.59%12.63%12.03%12.25%12.44%-15 bps
Net Worth / Assets12.59%12.63%12.03%12.25%12.44%-15 bps
Liquidity & Funding
Loans / Shares75.89%76.80%72.28%75.84%77.09%+120 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps