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Fort Bragg Community

Fort Bragg, CA · Charter 7893

Q3 2013

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 2013, the quarter ended September 30, 2013, 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

Fort Bragg Community

Fort Bragg, CA · Charter 7893

Q3 2013

$32.2MAssets
$15.6MLoans
$29.6MShares
$1.9MNet 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 -1.48%, down 155 bps year over year; NIM at 2.68%.
  • Asset quality: problem loans at 0.16% of loans (+10 bps YoY).
  • Capital: net worth / assets of 6.05%, down 110 bps from a year ago.
  • Funding: loans stand at 52.75% of shares as of Q3 2013.

Financial Results

Return on Assets (YTD, annualized)

-1.48%-155 bps YoY

Net Interest Margin (YTD, annualized)

2.68%+17 bps YoY

Efficiency Ratio (YTD, annualized)

144.57%+5,001 bps YoY

Net Worth / Assets

6.05%-110 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2012Q4 2012Q1 2013Q2 2013Q3 2013YoY ΔTrend
Earnings
Return on Assets0.07%0.08%0.21%0.30%-1.48%-155 bps
Return on Equity0.97%1.08%2.82%4.02%-24.48%-2,545 bps
Net Interest Margin2.52%2.47%2.82%2.78%2.68%+17 bps
Efficiency Ratio94.56%95.29%92.08%92.10%144.57%+5,001 bps
Growth
Asset Growth (YoY)13.63%12.54%3.37%2.35%0.31%-1,332 bps
Loan Growth (YoY)11.77%14.15%12.42%10.51%6.74%-503 bps
Share Growth (YoY)14.60%13.20%3.14%1.32%0.00%-1,461 bps
Asset Quality
Delinquent Loans / Loans0.06%0.03%0.13%0.08%0.16%+10 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.26%0.24%0.21%0.15%0.15%-11 bps
Capital
Risk-Based Capital7.16%6.98%7.37%7.53%6.05%-110 bps
Net Worth / Assets7.16%6.98%7.37%7.53%6.05%-110 bps
Liquidity & Funding
Loans / Shares49.41%49.58%53.36%54.47%52.75%+333 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps