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Crane

Crane, IN · Charter 10544

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

Crane

Crane, IN · Charter 10544

Q3 2015

$477.8MAssets
$290.4MLoans
$400.4MShares
$64.9MNet Worth

Executive Summary

  • Earnings: ROA of 0.64%, down 25 bps year over year; NIM at 2.57%.
  • Asset quality: problem loans at 1.09% of loans (+16 bps YoY).
  • Capital: net worth / assets of 13.57%, down 16 bps from a year ago.
  • Funding: loans stand at 72.52% of shares as of Q3 2015.

Return on Assets (YTD, annualized)

0.64%-25 bps YoY

Net Interest Margin (YTD, annualized)

2.57%-41 bps YoY

Efficiency Ratio (YTD, annualized)

76.93%+451 bps YoY

Net Worth / Assets

13.57%-16 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets0.81%0.69%0.90%0.89%0.93%0.73%0.74%0.64%-25 bps
Return on Equity6.20%5.38%6.75%6.52%6.75%5.38%5.38%4.72%-179 bps
Net Interest Margin2.86%2.85%2.95%2.98%2.95%2.81%2.77%2.57%-41 bps
Efficiency Ratio73.53%75.18%73.08%72.42%72.37%76.05%75.59%76.93%+451 bps
Growth
Asset Growth (YoY)1.40%1.70%0.38%-0.91%0.92%0.13%4.53%14.74%+1,565 bps
Loan Growth (YoY)6.25%5.77%6.55%4.58%4.13%4.19%4.54%12.47%+788 bps
Share Growth (YoY)1.66%0.01%-3.44%-1.99%-2.04%-1.72%5.03%14.84%+1,683 bps
Asset Quality
Delinquent Loans / Loans1.52%0.75%1.64%0.92%0.84%1.15%0.67%1.09%+16 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.43%0.49%0.49%0.53%0.48%0.49%0.48%0.47%-6 bps
Capital
Risk-Based Capital13.02%12.75%13.34%13.73%13.83%13.65%13.78%13.57%-16 bps
Net Worth / Assets13.02%12.75%13.34%13.73%13.83%13.65%13.78%13.57%-16 bps
Liquidity & Funding
Loans / Shares70.26%67.67%73.19%74.05%74.69%71.74%72.85%72.52%-153 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps