PackageTrendsPeer
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Good Shepherd

Chicago, IL · Charter 81117

NCUA

Q1 2016

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 2016, the quarter ended March 31, 2016, 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

Good Shepherd

Chicago, IL · Charter 81117

NCUA

Q1 2016

$101KAssets
$2KLoans
$90KShares
$10KNet 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 -0.29%, up 181 bps year over year; NIM at 0.27%.
  • Asset quality: problem loans at 0.00% of loans (-10,000 bps YoY).
  • Capital: net worth / assets of 10.12%, down 823 bps from a year ago.
  • Funding: loans stand at 2.08% of shares as of Q1 2016.

Financial Results

Return on Assets (YTD, annualized)

-0.29%+181 bps YoY

Net Interest Margin (YTD, annualized)

0.27%+2 bps YoY

Efficiency Ratio (YTD, annualized)

198.65%-75,278 bps YoY

Net Worth / Assets

10.12%-823 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2015Q2 2015Q3 2015Q4 2015Q1 2016YoY ΔTrend
Earnings
Return on Assets-2.10%0.29%-0.20%-0.35%-0.29%+181 bps
Return on Equity-11.44%1.98%-1.17%-3.99%-2.85%+859 bps
Net Interest Margin0.25%3.77%3.35%1.44%0.27%+2 bps
Efficiency Ratio951%57.43%105.98%126.21%198.65%-75,278 bps
Growth
Asset Growth (YoY)-15.42%17.30%-11.36%111.22%78.04%+9,346 bps
Loan Growth (YoY)-33.78%-0.29%338%-15.10%-3.06%+3,072 bps
Share Growth (YoY)-18.19%21.42%-11.16%136.84%94.44%+11,262 bps
Asset Quality
Delinquent Loans / Loans100.00%58.68%0.00%0.00%0.00%-10,000 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%11.03%7.77%9.57%16.88%+1,688 bps
Capital
Risk-Based Capital18.36%14.44%17.15%8.71%10.12%-823 bps
Net Worth / Assets18.36%14.44%17.15%8.71%10.12%-823 bps
Liquidity & Funding
Loans / Shares4.17%3.69%6.11%2.27%2.08%-209 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps