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Permaculture

Santa Fe, NM · Charter 68438

Q3 2014

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 2014, the quarter ended September 30, 2014, 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

Permaculture

Santa Fe, NM · Charter 68438

Q3 2014

$6.3MAssets
$3.4MLoans
$6.3MShares
$0KNet 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 -7.17%, down 688 bps year over year; NIM at 2.38%.
  • Asset quality: problem loans at 4.23% of loans (+311 bps YoY).
  • Capital: net worth / assets of 0.00%, down 619 bps from a year ago.
  • Funding: loans stand at 54.34% of shares as of Q3 2014.

Financial Results

Return on Assets (YTD, annualized)

-7.17%-688 bps YoY

Net Interest Margin (YTD, annualized)

2.38%-97 bps YoY

Efficiency Ratio (YTD, annualized)

218%+11,870 bps YoY

Net Worth / Assets

0.00%-619 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets-0.29%-0.13%-0.85%-0.89%-7.17%-688 bps
Return on Equity-4.72%-2.13%-15.76%-18.58%-45367333%-4,536,732,862 bps
Net Interest Margin3.35%3.13%2.61%2.44%2.38%-97 bps
Efficiency Ratio99.78%95.94%118.53%123.54%218%+11,870 bps
Growth
Asset Growth (YoY)0.89%-4.65%9.78%18.57%16.43%+1,554 bps
Loan Growth (YoY)-11.05%-2.55%-5.47%-5.75%-21.21%-1,017 bps
Share Growth (YoY)1.75%-4.83%10.79%20.39%24.09%+2,234 bps
Asset Quality
Delinquent Loans / Loans1.12%7.81%11.39%12.60%4.23%+311 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.36%0.34%0.47%0.72%0.64%+29 bps
Capital
Risk-Based Capital6.19%6.19%5.39%4.80%0.00%-619 bps
Net Worth / Assets6.19%6.19%5.39%4.80%0.00%-619 bps
Liquidity & Funding
Loans / Shares85.59%84.02%72.93%67.26%54.34%-3,125 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps