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Monad

Pasco, WA · Charter 10332

NCUA · 1 branch

Q4 2017

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: Q4 2017, the quarter ended December 31, 2017, 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

Monad

Pasco, WA · Charter 10332

NCUA · 1 branch

Q4 2017

$14.8MAssets
$4.2MLoans
$13.4MShares
$1.2MNet Worth

Executive Summary

  • Earnings: ROA of -0.41%, down 49 bps year over year; NIM at 2.44%.
  • Asset quality: problem loans at 0.48% of loans (+47 bps YoY).
  • Capital: net worth / assets of 7.86%, down 91 bps from a year ago.
  • Funding: loans stand at 31.29% of shares as of Q4 2017.

Return on Assets (YTD, annualized)

-0.41%-49 bps YoY

Net Interest Margin (YTD, annualized)

2.44%-30 bps YoY

Efficiency Ratio (YTD, annualized)

109.33%+1,120 bps YoY

Net Worth / Assets

7.86%-91 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2016Q2 2016Q3 2016Q4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets0.02%0.08%0.13%0.07%-0.49%-0.25%-0.26%-0.41%-49 bps
Return on Equity0.25%0.96%1.50%0.82%-5.84%-3.01%-3.28%-5.27%-609 bps
Net Interest Margin2.81%2.78%2.75%2.75%2.53%2.53%2.49%2.44%-30 bps
Efficiency Ratio99.11%97.74%96.62%98.13%110.47%105.32%106.22%109.33%+1,120 bps
Growth
Asset Growth (YoY)-1.39%-3.82%3.21%1.30%3.23%3.74%5.47%5.95%+464 bps
Loan Growth (YoY)3.97%-0.65%-4.94%-9.31%-5.20%-6.52%-7.92%-9.71%-40 bps
Share Growth (YoY)-1.42%-3.68%3.84%1.88%2.20%4.91%6.02%5.86%+397 bps
Asset Quality
Delinquent Loans / Loans0.04%0.10%0.05%0.01%0.44%0.45%0.57%0.48%+47 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.62%0.54%0.55%0.44%0.52%0.49%0.49%0.57%+13 bps
Capital
Risk-Based Capital8.75%8.79%8.72%8.76%8.42%8.38%8.05%7.86%-91 bps
Net Worth / Assets8.75%8.79%8.72%8.76%8.42%8.38%8.05%7.86%-91 bps
Liquidity & Funding
Loans / Shares38.72%39.20%37.35%36.68%35.92%34.93%32.44%31.29%-539 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps