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Celriver

Rock Hill, SC · Charter 9859

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

Celriver

Rock Hill, SC · Charter 9859

Q1 2013

$30.0MAssets
$10.2MLoans
$26.5MShares
$3.2MNet 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 -45.58%, down 4,545 bps year over year; NIM at -38.50%.
  • Asset quality: problem loans at 2.80% of loans (+204 bps YoY).
  • Capital: net worth / assets of 10.50%, down 1,170 bps from a year ago.
  • Funding: loans stand at 38.39% of shares as of Q1 2013.

Financial Results

Return on Assets (YTD, annualized)

-45.58%-4,545 bps YoY

Net Interest Margin (YTD, annualized)

-38.50%-4,146 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

10.50%-1,170 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2012Q2 2012Q3 2012Q4 2012Q1 2013YoY ΔTrend
Earnings
Return on Assets-0.13%-0.26%-0.28%-0.33%-45.58%-4,545 bps
Return on Equity-0.59%-1.17%-1.26%-1.46%-434%-43,348 bps
Net Interest Margin2.97%2.93%2.99%2.97%-38.50%-4,146 bps
Efficiency Ratio95.26%98.67%97.79%100.82%n/an/a
Growth
Asset Growth (YoY)3.63%2.48%-1.60%-1.45%0.08%-356 bps
Loan Growth (YoY)-8.43%-10.52%-10.27%-7.86%-7.37%+106 bps
Share Growth (YoY)4.79%3.45%-2.23%-1.13%14.35%+956 bps
Asset Quality
Delinquent Loans / Loans0.76%0.73%0.66%2.82%2.80%+204 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.64%0.69%0.79%0.75%0.75%+11 bps
Capital
Risk-Based Capital22.20%22.02%22.59%22.61%10.50%-1,170 bps
Net Worth / Assets22.20%22.02%22.59%22.61%10.50%-1,170 bps
Liquidity & Funding
Loans / Shares47.39%45.64%46.47%46.86%38.39%-900 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps