PackageTrendsPeer
Letter portraitLegal landscape

Moon Lake Electric Employees

Roosevelt, UT · Charter 15740

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

Moon Lake Electric Employees

Roosevelt, UT · Charter 15740

Q3 2015

$1.6MAssets
$687KLoans
$1.4MShares
$223KNet Worth

Executive Summary

  • Earnings: ROA of -6.18%, down 657 bps year over year; NIM at -4.78%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 13.65%, down 331 bps from a year ago.
  • Funding: loans stand at 48.75% of shares as of Q3 2015.

Return on Assets (YTD, annualized)

-6.18%-657 bps YoY

Net Interest Margin (YTD, annualized)

-4.78%-637 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

13.65%-331 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets-0.03%0.57%0.39%0.39%0.42%-0.14%0.07%-6.18%-657 bps
Return on Equity-0.21%3.59%2.45%2.32%2.37%-0.78%0.37%-45.25%-4,757 bps
Net Interest Margin1.41%1.56%1.50%1.59%1.64%1.68%1.63%-4.78%-637 bps
Efficiency Ratio102.16%63.97%74.48%76.09%75.31%107.73%96.11%n/an/a
Growth
Asset Growth (YoY)14.61%5.25%6.18%-2.14%-13.02%-6.38%-8.14%-6.62%-448 bps
Loan Growth (YoY)11.53%9.71%15.06%28.50%-7.76%-6.25%-11.54%-20.09%-4,859 bps
Share Growth (YoY)17.59%6.03%7.01%-3.06%-15.81%-7.90%-9.97%-2.79%+27 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%3.42%0.00%3.64%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.68%2.85%2.94%2.67%2.91%3.04%3.32%3.34%+67 bps
Capital
Risk-Based Capital14.98%16.01%16.00%16.96%17.64%17.32%17.65%13.65%-331 bps
Net Worth / Assets14.98%16.01%16.00%16.96%17.64%17.32%17.65%13.65%-331 bps
Liquidity & Funding
Loans / Shares51.69%52.13%50.34%59.31%56.63%53.06%49.47%48.75%-1,056 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps