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Chippewa Eagle

Mt Pleasant, MI · Charter 24828

Q1 2013

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: Q1 2013, the quarter ended March 31, 2013, 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

Chippewa Eagle

Mt Pleasant, MI · Charter 24828

Q1 2013

$2.2MAssets
$970KLoans
$2.0MShares
$82KNet 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 -17.94%, down 1,241 bps year over year; NIM at 4.31%.
  • Asset quality: problem loans at 2.67% of loans (-201 bps YoY).
  • Capital: net worth / assets of 3.64%, down 804 bps from a year ago.
  • Funding: loans stand at 47.79% of shares as of Q1 2013.

Financial Results

Return on Assets (YTD, annualized)

-17.94%-1,241 bps YoY

Net Interest Margin (YTD, annualized)

4.31%+145 bps YoY

Efficiency Ratio (YTD, annualized)

272%+10,867 bps YoY

Net Worth / Assets

3.64%-804 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2012Q2 2012Q3 2012Q4 2012Q1 2013YoY ΔTrend
Earnings
Return on Assets-5.53%25.96%-12.73%-13.84%-17.94%-1,241 bps
Return on Equity-47.40%103.77%-55.71%-63.94%-493%-44,572 bps
Net Interest Margin2.86%2.36%2.64%3.19%4.31%+145 bps
Efficiency Ratio163.59%46.44%230%230%272%+10,867 bps
Growth
Asset Growth (YoY)77.26%69.34%45.62%-13.60%-10.90%-8,816 bps
Loan Growth (YoY)192.64%62.30%38.60%33.85%14.98%-17,766 bps
Share Growth (YoY)141.82%70.54%42.38%-17.32%-11.11%-15,293 bps
Asset Quality
Delinquent Loans / Loans4.68%6.88%5.88%4.30%2.67%-201 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.89%2.29%2.21%1.97%1.29%+40 bps
Capital
Risk-Based Capital11.68%25.02%22.86%21.64%3.64%-804 bps
Net Worth / Assets11.68%25.02%22.86%21.64%3.64%-804 bps
Liquidity & Funding
Loans / Shares36.94%44.99%48.73%55.10%47.79%+1,084 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps