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Continental Employees

Alexandria, LA · Charter 7041

NCUA · 1 branch

Q1 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: Q1 2018, the quarter ended March 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

Continental Employees

Alexandria, LA · Charter 7041

NCUA · 1 branch

Q1 2018

$924KAssets
$703KLoans
$846KShares
$78KNet 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 -75.54%, down 7,238 bps year over year; NIM at 6.87%.
  • Asset quality: problem loans at 15.87% of loans (+1,566 bps YoY).
  • Capital: net worth / assets of 8.41%, down 1,356 bps from a year ago.
  • Funding: loans stand at 83.11% of shares as of Q1 2018.

Financial Results

Return on Assets (YTD, annualized)

-75.54%-7,238 bps YoY

Net Interest Margin (YTD, annualized)

6.87%+282 bps YoY

Efficiency Ratio (YTD, annualized)

127.48%-4,690 bps YoY

Net Worth / Assets

8.41%-1,356 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2017Q2 2017Q3 2017Q4 2017Q1 2018YoY ΔTrend
Earnings
Return on Assets-3.16%-5.27%-4.48%-4.34%-75.54%-7,238 bps
Return on Equity-14.38%-24.41%-21.48%-21.07%-898%-88,361 bps
Net Interest Margin4.05%4.34%4.58%4.51%6.87%+282 bps
Efficiency Ratio174.38%177.43%168.27%172.65%127.48%-4,690 bps
Growth
Asset Growth (YoY)17.43%12.00%14.21%11.99%-31.13%-4,857 bps
Loan Growth (YoY)3.02%5.00%1.34%7.91%-16.15%-1,917 bps
Share Growth (YoY)25.98%20.71%24.32%23.13%-18.74%-4,472 bps
Asset Quality
Delinquent Loans / Loans0.21%4.45%6.53%29.00%15.87%+1,566 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.45%0.04%0.05%0.22%1.46%+100 bps
Capital
Risk-Based Capital21.97%21.60%20.87%20.60%8.41%-1,356 bps
Net Worth / Assets21.97%21.60%20.87%20.60%8.41%-1,356 bps
Liquidity & Funding
Loans / Shares80.54%88.72%89.42%95.46%83.11%+257 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps