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Lewiston Catholic

Lewiston, ID · Charter 82524

Q1 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: Q1 2013, the quarter ended March 31, 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

Lewiston Catholic

Lewiston, ID · Charter 82524

Q1 2013

$357KAssets
$49KLoans
$325KShares
$32KNet 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 -20.31%, down 1,879 bps year over year; NIM at 2.04%.
  • Asset quality: problem loans at 46.12% of loans (+353 bps YoY).
  • Capital: net worth / assets of 9.03%, down 454 bps from a year ago.
  • Funding: loans stand at 15.16% of shares as of Q1 2013.

Financial Results

Return on Assets (YTD, annualized)

-20.31%-1,879 bps YoY

Net Interest Margin (YTD, annualized)

2.04%-21 bps YoY

Efficiency Ratio (YTD, annualized)

151.18%-1,625 bps YoY

Net Worth / Assets

9.03%-454 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2012Q2 2012Q3 2012Q4 2012Q1 2013YoY ΔTrend
Earnings
Return on Assets-1.52%-1.39%-1.31%-1.39%-20.31%-1,879 bps
Return on Equity-11.17%-10.47%-9.99%-10.98%-225%-21,368 bps
Net Interest Margin2.25%2.12%1.92%1.71%2.04%-21 bps
Efficiency Ratio167.44%161.38%164.94%175.32%151.18%-1,625 bps
Growth
Asset Growth (YoY)12.48%12.69%-2.88%-1.28%-10.88%-2,336 bps
Loan Growth (YoY)-51.74%-51.90%-50.05%-42.13%-48.42%+332 bps
Share Growth (YoY)20.69%20.32%-1.77%0.18%-6.01%-2,670 bps
Asset Quality
Delinquent Loans / Loans42.59%42.30%45.94%88.14%46.12%+353 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans21.01%23.90%28.04%32.59%78.20%+5,718 bps
Capital
Risk-Based Capital13.57%13.24%13.08%12.64%9.03%-454 bps
Net Worth / Assets13.57%13.24%13.08%12.64%9.03%-454 bps
Liquidity & Funding
Loans / Shares27.63%24.58%21.24%18.44%15.16%-1,247 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps