PackageTrendsPeer
Letter portraitLegal landscape

Multiple Employee Group

Thomasville, GA · Charter 7735

Q4 2015

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 2015, the quarter ended December 31, 2015, 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

Multiple Employee Group

Thomasville, GA · Charter 7735

Q4 2015

$4.2MAssets
$588KLoans
$3.6MShares
$634KNet 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 -14.56%, down 1,457 bps year over year; NIM at -9.33%.
  • Asset quality: problem loans at 5.93% of loans (+366 bps YoY).
  • Capital: net worth / assets of 15.11%, down 1,288 bps from a year ago.
  • Funding: loans stand at 16.51% of shares as of Q4 2015.

Financial Results

Return on Assets (YTD, annualized)

-14.56%-1,457 bps YoY

Net Interest Margin (YTD, annualized)

-9.33%-1,208 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

15.11%-1,288 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2014Q1 2015Q2 2015Q3 2015Q4 2015YoY ΔTrend
Earnings
Return on Assets0.01%-1.48%-0.94%-0.64%-14.56%-1,457 bps
Return on Equity0.03%-5.43%-3.55%-2.41%-96.40%-9,643 bps
Net Interest Margin2.74%3.10%2.80%2.40%-9.33%-1,208 bps
Efficiency Ratio99.78%136.82%125.20%122.28%n/an/a
Growth
Asset Growth (YoY)1.31%-2.48%2.58%0.08%-5.66%-698 bps
Loan Growth (YoY)-15.14%-22.68%-28.38%-26.85%-21.02%-589 bps
Share Growth (YoY)2.03%-3.06%4.39%1.55%12.12%+1,009 bps
Asset Quality
Delinquent Loans / Loans2.27%1.31%1.41%1.35%5.93%+366 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.43%1.48%1.91%1.42%2.67%+24 bps
Capital
Risk-Based Capital27.99%27.22%26.48%26.63%15.11%-1,288 bps
Net Worth / Assets27.99%27.22%26.48%26.63%15.11%-1,288 bps
Liquidity & Funding
Loans / Shares23.44%20.24%17.67%16.99%16.51%-693 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps