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I.B.E.W. Local 816

Paducah, KY · Charter 9913

Q1 2014

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 2014, the quarter ended March 31, 2014, 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

I.B.E.W. Local 816

Paducah, KY · Charter 9913

Q1 2014

$6.3MAssets
$4.2MLoans
$5.6MShares
$653KNet Worth

Executive Summary

  • Earnings: ROA of 1.42%, up 72 bps year over year; NIM at 3.73%.
  • Asset quality: problem loans at 4.82% of loans (+179 bps YoY).
  • Capital: net worth / assets of 10.42%, up 84 bps from a year ago.
  • Funding: loans stand at 74.79% of shares as of Q1 2014.

Return on Assets (YTD, annualized)

1.42%+72 bps YoY

Net Interest Margin (YTD, annualized)

3.73%-2 bps YoY

Efficiency Ratio (YTD, annualized)

57.95%-121 bps YoY

Net Worth / Assets

10.42%+84 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2012Q3 2012Q4 2012Q1 2013Q2 2013Q3 2013Q4 2013Q1 2014YoY ΔTrend
Earnings
Return on Assets1.43%1.27%1.20%0.70%0.91%1.18%1.14%1.42%+72 bps
Return on Equity16.21%14.15%12.79%7.34%9.35%11.78%11.28%13.64%+630 bps
Net Interest Margin3.40%3.32%3.40%3.75%3.51%3.57%3.49%3.73%-2 bps
Efficiency Ratio60.18%57.82%61.25%59.16%63.37%61.05%61.48%57.95%-121 bps
Growth
Asset Growth (YoY)12.63%13.30%5.96%2.41%0.07%-0.62%3.09%2.32%-9 bps
Loan Growth (YoY)9.80%8.35%11.08%6.85%1.79%2.20%1.83%3.81%-304 bps
Share Growth (YoY)12.22%13.09%5.08%1.58%-0.98%-1.85%2.41%1.40%-17 bps
Asset Quality
Delinquent Loans / Loans8.84%5.77%10.41%3.03%10.65%9.30%10.76%4.82%+179 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.46%1.56%1.62%2.00%2.02%1.92%1.97%1.98%-2 bps
Capital
Risk-Based Capital8.84%8.98%9.35%9.58%9.76%10.01%10.08%10.42%+84 bps
Net Worth / Assets8.84%8.98%9.35%9.58%9.76%10.01%10.08%10.42%+84 bps
Liquidity & Funding
Loans / Shares69.68%72.42%73.90%73.05%71.63%75.40%73.48%74.79%+173 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps