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Mico Employees

North Mankato, MN · Charter 60259

NCUA · 2 branches

Q4 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: Q4 2017, the quarter ended December 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

Mico Employees

North Mankato, MN · Charter 60259

NCUA · 2 branches

Q4 2017

$2.0MAssets
$890KLoans
$1.7MShares
$310KNet 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 0.18%, up 18 bps year over year; NIM at 1.18%.
  • Asset quality: problem loans at 0.06% of loans (+6 bps YoY).
  • Capital: net worth / assets of 15.16%, down 37 bps from a year ago.
  • Funding: loans stand at 51.30% of shares as of Q4 2017.

Financial Results

Return on Assets (YTD, annualized)

0.18%+18 bps YoY

Net Interest Margin (YTD, annualized)

1.18%+4 bps YoY

Efficiency Ratio (YTD, annualized)

71.17%-1,983 bps YoY

Net Worth / Assets

15.16%-37 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets0.00%-0.12%0.00%0.29%0.18%+18 bps
Return on Equity0.00%-0.80%0.00%1.95%1.20%+120 bps
Net Interest Margin1.14%1.17%1.12%1.21%1.18%+4 bps
Efficiency Ratio91.00%110.36%82.64%58.69%71.17%-1,983 bps
Growth
Asset Growth (YoY)-4.89%-5.26%-5.05%4.67%3.80%+869 bps
Loan Growth (YoY)-4.28%-3.31%-4.77%-13.51%-15.49%-1,121 bps
Share Growth (YoY)-6.15%-6.39%-6.17%6.18%5.13%+1,128 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%1.27%0.00%0.06%+6 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.24%1.25%1.21%1.21%1.21%-3 bps
Capital
Risk-Based Capital15.53%15.45%15.50%15.04%15.16%-37 bps
Net Worth / Assets15.53%15.45%15.50%15.04%15.16%-37 bps
Liquidity & Funding
Loans / Shares63.82%62.79%56.36%50.87%51.30%-1,251 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps