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Clements

Clements, MN · Charter 13998

Q2 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: 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.

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

Clements

Clements, MN · Charter 13998

Q2 2015

$393KAssets
$101KLoans
$354KShares
$38KNet Worth

Executive Summary

  • Earnings: ROA of -2.49%, down 9 bps year over year; NIM at 1.37%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 9.76%, down 166 bps from a year ago.
  • Funding: loans stand at 28.47% of shares as of Q2 2015.

Return on Assets (YTD, annualized)

-2.49%-9 bps YoY

Net Interest Margin (YTD, annualized)

1.37%-68 bps YoY

Efficiency Ratio (YTD, annualized)

220%+3,373 bps YoY

Net Worth / Assets

9.76%-166 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015YoY ΔTrend
Earnings
Return on Assets-1.08%-1.37%-2.59%-2.40%-2.24%-2.36%-2.38%-2.49%-9 bps
Return on Equity-7.83%-10.72%-21.68%-21.00%-20.87%-22.24%-23.57%-25.48%-448 bps
Net Interest Margin2.93%2.88%2.09%2.05%1.91%1.88%1.35%1.37%-68 bps
Efficiency Ratio129.76%137.82%194.90%186.36%186.59%188.49%220%220%+3,373 bps
Growth
Asset Growth (YoY)17.45%24.76%12.45%4.96%-0.16%-7.39%-3.76%-6.16%-1,112 bps
Loan Growth (YoY)10.49%-18.55%-17.60%-6.92%-29.01%-38.95%-29.25%-29.79%-2,287 bps
Share Growth (YoY)23.48%32.19%18.18%9.27%3.38%-5.03%-1.76%-4.37%-1,364 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.81%0.81%0.93%0.98%1.14%1.32%1.32%1.40%+42 bps
Capital
Risk-Based Capital13.78%12.75%11.95%11.42%10.75%10.61%10.11%9.76%-166 bps
Net Worth / Assets13.78%12.75%11.95%11.42%10.75%10.61%10.11%9.76%-166 bps
Liquidity & Funding
Loans / Shares47.83%45.67%41.15%38.77%32.84%29.36%29.64%28.47%-1,031 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps