PackageTrendsPeer
Letter portraitLegal landscape

Southeastern

Valdosta, GA · Charter 8947

Q3 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: Q3 2015, the quarter ended September 30, 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

Southeastern

Valdosta, GA · Charter 8947

Q3 2015

$222.2MAssets
$147.2MLoans
$199.4MShares
$20.7MNet 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 0.59%, down 33 bps year over year; NIM at 3.18%.
  • Asset quality: problem loans at 1.02% of loans (+44 bps YoY).
  • Capital: net worth / assets of 9.31%, up 39 bps from a year ago.
  • Funding: loans stand at 73.82% of shares as of Q3 2015.

Financial Results

Return on Assets (YTD, annualized)

0.59%-33 bps YoY

Net Interest Margin (YTD, annualized)

3.18%+11 bps YoY

Efficiency Ratio (YTD, annualized)

78.87%+470 bps YoY

Net Worth / Assets

9.31%+39 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets0.92%0.99%0.51%0.50%0.59%-33 bps
Return on Equity10.26%10.85%5.20%5.29%6.30%-396 bps
Net Interest Margin3.07%3.08%3.10%3.23%3.18%+11 bps
Efficiency Ratio74.16%73.71%81.47%80.71%78.87%+470 bps
Growth
Asset Growth (YoY)7.12%6.11%10.05%8.82%12.08%+495 bps
Loan Growth (YoY)9.90%15.39%23.98%23.40%16.38%+648 bps
Share Growth (YoY)6.79%6.14%8.96%10.07%11.52%+474 bps
Asset Quality
Delinquent Loans / Loans0.59%0.64%0.77%0.72%1.02%+44 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.06%1.03%1.01%0.96%1.02%-4 bps
Capital
Risk-Based Capital8.92%9.12%9.76%9.38%9.31%+39 bps
Net Worth / Assets8.92%9.12%9.76%9.38%9.31%+39 bps
Liquidity & Funding
Loans / Shares70.73%73.46%72.80%75.26%73.82%+308 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps