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General Mills

Minnetonka, MN · Charter 24444

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

General Mills

Minnetonka, MN · Charter 24444

Q3 2014

$303.9MAssets
$174.5MLoans
$269.2MShares
$32.6MNet Worth

Executive Summary

  • Earnings: ROA of 0.55%, up 16 bps year over year; NIM at 2.51%.
  • Asset quality: problem loans at 0.03% of loans (-27 bps YoY).
  • Capital: net worth / assets of 10.74%, up 81 bps from a year ago.
  • Funding: loans stand at 64.81% of shares as of Q3 2014.

Return on Assets (YTD, annualized)

0.55%+16 bps YoY

Net Interest Margin (YTD, annualized)

2.51%+12 bps YoY

Efficiency Ratio (YTD, annualized)

83.31%-300 bps YoY

Net Worth / Assets

10.74%+81 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2012Q1 2013Q2 2013Q3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets0.65%0.57%0.52%0.40%0.48%0.37%0.51%0.55%+16 bps
Return on Equity6.75%5.86%5.06%3.99%4.64%3.62%4.72%5.14%+114 bps
Net Interest Margin2.69%2.37%2.50%2.39%2.45%2.38%2.53%2.51%+12 bps
Efficiency Ratio77.51%82.82%82.43%86.31%84.98%88.09%84.98%83.31%-300 bps
Growth
Asset Growth (YoY)8.25%5.73%1.40%-0.37%-1.90%-1.69%-0.78%-2.14%-176 bps
Loan Growth (YoY)1.95%2.08%-3.31%-2.79%0.77%3.68%9.92%9.35%+1,214 bps
Share Growth (YoY)7.98%5.01%0.88%-1.01%-2.05%-2.06%-1.12%-2.86%-185 bps
Asset Quality
Delinquent Loans / Loans0.63%0.71%0.50%0.30%0.15%0.11%0.06%0.03%-27 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.76%0.68%0.65%0.60%0.49%0.47%0.41%0.36%-24 bps
Capital
Risk-Based Capital9.70%9.76%10.29%9.94%10.37%10.35%10.85%10.74%+81 bps
Net Worth / Assets9.70%9.76%10.29%9.94%10.37%10.35%10.85%10.74%+81 bps
Liquidity & Funding
Loans / Shares59.00%57.34%59.61%57.57%60.70%60.69%66.26%64.81%+724 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps