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Emc

Des Moines, IA · Charter 60033

NCUA · 1 branch

Q1 2017

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 2017, the quarter ended March 31, 2017, 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

Emc

Des Moines, IA · Charter 60033

NCUA · 1 branch

Q1 2017

$8.5MAssets
$2.5MLoans
$7.8MShares
$736KNet Worth

Executive Summary

  • Earnings: ROA of 0.01%, down 29 bps year over year; NIM at 1.61%.
  • Asset quality: problem loans at 0.00% of loans (-13 bps YoY).
  • Capital: net worth / assets of 8.62%, down 17 bps from a year ago.
  • Funding: loans stand at 32.55% of shares as of Q1 2017.

Return on Assets (YTD, annualized)

0.01%-29 bps YoY

Net Interest Margin (YTD, annualized)

1.61%0 bps YoY

Efficiency Ratio (YTD, annualized)

99.68%+1,465 bps YoY

Net Worth / Assets

8.62%-17 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2015Q3 2015Q4 2015Q1 2016Q2 2016Q3 2016Q4 2016Q1 2017YoY ΔTrend
Earnings
Return on Assets0.08%0.12%0.33%0.29%0.39%0.35%0.28%0.01%-29 bps
Return on Equity0.95%1.32%3.59%3.35%4.16%3.67%3.06%0.07%-327 bps
Net Interest Margin1.64%1.70%1.64%1.61%1.69%1.71%1.68%1.61%0 bps
Efficiency Ratio95.93%94.29%86.16%85.03%81.66%83.72%86.75%99.68%+1,465 bps
Growth
Asset Growth (YoY)-1.04%-0.72%4.72%0.17%-1.43%0.40%2.60%4.34%+418 bps
Loan Growth (YoY)-2.37%-2.52%-2.93%-4.82%-0.26%-0.37%1.04%0.91%+573 bps
Share Growth (YoY)-1.30%-0.94%4.56%-0.25%-2.10%-0.14%2.66%4.34%+459 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.13%0.11%0.09%0.00%0.00%-13 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.59%0.59%0.60%0.62%0.59%0.59%0.59%0.61%-1 bps
Capital
Risk-Based Capital8.74%8.99%9.05%8.80%9.34%9.45%9.10%8.62%-17 bps
Net Worth / Assets8.74%8.99%9.05%8.80%9.34%9.45%9.10%8.62%-17 bps
Liquidity & Funding
Loans / Shares36.60%37.45%36.09%33.65%37.28%37.36%35.52%32.55%-111 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps