Moorhead, MN · Charter 24638
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 30, 2012, 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.
Moorhead, MN · Charter 24638
Q2 2012
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 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.65% | -1.02% | -1.11% | -1.90% | -6.67% | -601 bps | |
| Return on Equity | -9.52% | -16.59% | -18.35% | -37.05% | -234% | -22,432 bps | |
| Net Interest Margin | 2.29% | 2.15% | 2.18% | 1.69% | 1.72% | -57 bps | |
| Efficiency Ratio | 125.27% | 140.03% | 142.65% | 191.63% | 417% | +29,210 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.52% | 7.02% | 2.18% | 10.20% | -1.77% | -529 bps | |
| Loan Growth (YoY) | -12.56% | -8.91% | -13.71% | -11.33% | -14.36% | -180 bps | |
| Share Growth (YoY) | 5.68% | 9.78% | 3.96% | 12.51% | 2.31% | -337 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.13% | 0.12% | 0.12% | 0.12% | 0.13% | +1 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.11% | 0.15% | 0.18% | 0.23% | 0.25% | +15 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.86% | 6.13% | 6.07% | 5.12% | 2.85% | -401 bps | |
| Net Worth / Assets | 6.86% | 6.13% | 6.07% | 5.12% | 2.85% | -401 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 36.21% | 34.18% | 34.61% | 30.47% | 30.31% | -590 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |