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E. W. No. 401

Reno, NV · Charter 86754

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

E. W. No. 401

Reno, NV · Charter 86754

NCUA · 1 branch

Q1 2018

$13.9MAssets
$2.3MLoans
$13.5MShares
$253KNet Worth

Executive Summary

  • Earnings: ROA of -18.05%, down 1,805 bps year over year; NIM at 1.87%.
  • Asset quality: problem loans at 0.20% of loans (+18 bps YoY).
  • Capital: net worth / assets of 1.82%, down 579 bps from a year ago.
  • Funding: loans stand at 17.06% of shares as of Q1 2018.

Return on Assets (YTD, annualized)

-18.05%-1,805 bps YoY

Net Interest Margin (YTD, annualized)

1.87%-11 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

1.82%-579 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2016Q3 2016Q4 2016Q1 2017Q2 2017Q3 2017Q4 2017Q1 2018YoY ΔTrend
Earnings
Return on Assets-0.27%-0.09%-0.08%0.00%-0.08%0.11%-0.21%-18.05%-1,805 bps
Return on Equity-2.95%-0.99%-0.97%0.06%-1.35%1.72%-3.54%-991%-99,129 bps
Net Interest Margin2.48%2.39%2.30%1.98%1.56%1.65%1.66%1.87%-11 bps
Efficiency Ratio108.58%102.84%102.85%99.73%103.80%95.26%109.15%n/an/a
Growth
Asset Growth (YoY)6.35%1.63%8.13%24.18%47.10%46.15%38.29%19.18%-500 bps
Loan Growth (YoY)-9.84%-12.50%-14.81%-2.93%-4.19%3.07%14.52%-15.08%-1,215 bps
Share Growth (YoY)6.94%5.27%8.76%27.61%52.76%50.08%45.92%26.63%-98 bps
Asset Quality
Delinquent Loans / Loans0.54%0.01%0.01%0.02%0.30%0.05%0.57%0.20%+18 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans5.72%5.05%5.30%4.91%5.17%4.81%4.48%5.13%+22 bps
Capital
Risk-Based Capital9.18%8.93%8.61%7.61%6.23%6.18%6.01%1.82%-579 bps
Net Worth / Assets9.18%8.93%8.61%7.61%6.23%6.18%6.01%1.82%-579 bps
Liquidity & Funding
Loans / Shares31.47%28.70%26.60%25.44%19.74%19.71%20.88%17.06%-838 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps