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Members Heritage

Lexington, KY · Charter 13638

Q3 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: Q3 2014, the quarter ended September 30, 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

Members Heritage

Lexington, KY · Charter 13638

Q3 2014

$348.7MAssets
$186.3MLoans
$305.6MShares
$41.3MNet Worth

Executive Summary

  • Earnings: ROA of 0.31%, up 15 bps year over year; NIM at 2.97%.
  • Asset quality: problem loans at 1.48% of loans (+31 bps YoY).
  • Capital: net worth / assets of 11.86%, up 100 bps from a year ago.
  • Funding: loans stand at 60.96% of shares as of Q3 2014.

Return on Assets (YTD, annualized)

0.31%+15 bps YoY

Net Interest Margin (YTD, annualized)

2.97%-5 bps YoY

Efficiency Ratio (YTD, annualized)

81.12%-444 bps YoY

Net Worth / Assets

11.86%+100 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2012Q1 2013Q2 2013Q3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets0.12%-0.21%0.07%0.16%0.24%0.21%0.22%0.31%+15 bps
Return on Equity1.14%-2.04%0.62%1.47%2.05%1.79%1.92%2.62%+115 bps
Net Interest Margin2.93%2.96%3.00%3.02%3.09%2.92%2.96%2.97%-5 bps
Efficiency Ratio85.43%89.83%87.95%85.56%81.51%84.61%81.27%81.12%-444 bps
Growth
Asset Growth (YoY)13.44%10.33%8.93%0.73%-0.53%-0.44%0.76%0.44%-30 bps
Loan Growth (YoY)13.58%11.00%8.68%-1.18%-2.11%-1.29%-1.41%-0.01%+116 bps
Share Growth (YoY)15.34%13.61%12.25%2.40%0.12%-1.61%-0.35%-0.32%-273 bps
Asset Quality
Delinquent Loans / Loans0.83%0.89%0.95%1.17%1.10%1.16%1.29%1.48%+31 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.19%1.29%1.22%1.22%1.29%1.30%1.36%1.31%+8 bps
Capital
Risk-Based Capital10.93%10.47%10.77%10.86%11.95%11.55%11.70%11.86%+100 bps
Net Worth / Assets10.93%10.47%10.77%10.86%11.95%11.55%11.70%11.86%+100 bps
Liquidity & Funding
Loans / Shares63.55%58.71%60.53%60.77%62.13%58.90%59.89%60.96%+19 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps