PackageTrendsPeer
Letter portraitLegal landscape

Minyard Employees

Coppell, TX · Charter 18369

Q3 2011

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 2011, the quarter ended September 30, 2011, 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

Minyard Employees

Coppell, TX · Charter 18369

Q3 2011

$2.6MAssets
$1.8MLoans
$2.0MShares
$584KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -33.84%, down 3,003 bps year over year; NIM at -15.37%.
  • Asset quality: problem loans at 3.95% of loans (+62 bps YoY).
  • Capital: net worth / assets of 22.16%, down 1,284 bps from a year ago.
  • Funding: loans stand at 85.81% of shares as of Q3 2011.

Financial Results

Return on Assets (YTD, annualized)

-33.84%-3,003 bps YoY

Net Interest Margin (YTD, annualized)

-15.37%-1,940 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

22.16%-1,284 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2010Q3 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets-3.81%-3.04%-48.30%-35.81%-33.84%-3,003 bps
Return on Equity-10.88%-8.58%-180.33%-150.61%-152.68%-14,180 bps
Net Interest Margin4.03%4.42%-33.76%-22.34%-15.37%-1,940 bps
Efficiency Ratio169.38%127.27%n/an/an/an/a
Growth
Asset Growth (YoY)-11.88%-21.19%-25.12%-27.50%-30.25%-1,837 bps
Loan Growth (YoY)-1.00%-6.54%-3.11%-9.33%-12.99%-1,199 bps
Share Growth (YoY)-13.97%-25.19%-20.69%-18.24%-18.28%-431 bps
Asset Quality
Delinquent Loans / Loans3.33%3.53%6.26%2.41%3.95%+62 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.60%1.55%4.09%4.07%3.85%+225 bps
Capital
Risk-Based Capital35.00%35.42%26.79%23.78%22.16%-1,284 bps
Net Worth / Assets35.00%35.42%26.79%23.78%22.16%-1,284 bps
Liquidity & Funding
Loans / Shares80.59%83.41%87.98%80.65%85.81%+522 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps