Clements, MN · Charter 13998
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 30, 2015, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Clements, MN · Charter 13998
Q2 2015
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.40% | -2.24% | -2.36% | -2.38% | -2.49% | -9 bps | |
| Return on Equity | -21.00% | -20.87% | -22.24% | -23.57% | -25.48% | -448 bps | |
| Net Interest Margin | 2.05% | 1.91% | 1.88% | 1.35% | 1.37% | -68 bps | |
| Efficiency Ratio | 186.36% | 186.59% | 188.49% | 220% | 220% | +3,373 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.96% | -0.16% | -7.39% | -3.76% | -6.16% | -1,112 bps | |
| Loan Growth (YoY) | -6.92% | -29.01% | -38.95% | -29.25% | -29.79% | -2,287 bps | |
| Share Growth (YoY) | 9.27% | 3.38% | -5.03% | -1.76% | -4.37% | -1,364 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.98% | 1.14% | 1.32% | 1.32% | 1.40% | +42 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.42% | 10.75% | 10.61% | 10.11% | 9.76% | -166 bps | |
| Net Worth / Assets | 11.42% | 10.75% | 10.61% | 10.11% | 9.76% | -166 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 38.77% | 32.84% | 29.36% | 29.64% | 28.47% | -1,031 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |