PackageTrendsPeer
Letter portraitLegal landscape

Municipal Employees

Laporte, IN · Charter 60693

NCUA · 1 branch

Q3 2021

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 2021, the quarter ended September 30, 2021, 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

Municipal Employees

Laporte, IN · Charter 60693

NCUA · 1 branch

Q3 2021

$1.1MAssets
$619KLoans
$913KShares
$206KNet 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 0.69%, up 137 bps year over year; NIM at 3.70%.
  • Asset quality: problem loans at 3.81% of loans (-776 bps YoY).
  • Capital: net worth / assets of 18.40%, up 186 bps from a year ago.
  • Funding: loans stand at 67.75% of shares as of Q3 2021.

Financial Results

Return on Assets (YTD, annualized)

0.69%+137 bps YoY

Net Interest Margin (YTD, annualized)

3.70%+26 bps YoY

Efficiency Ratio (YTD, annualized)

84.40%-2,186 bps YoY

Net Worth / Assets

18.40%+186 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021YoY ΔTrend
Earnings
Return on Assets-0.67%-0.43%0.13%0.75%0.69%+137 bps
Return on Equity-4.07%-2.24%0.64%4.09%3.78%+785 bps
Net Interest Margin3.44%4.05%4.45%3.93%3.70%+26 bps
Efficiency Ratio106.27%100.91%97.20%82.64%84.40%-2,186 bps
Growth
Asset Growth (YoY)-0.87%-13.31%-12.78%-7.43%-6.78%-591 bps
Loan Growth (YoY)-4.79%8.01%4.38%-3.10%-10.78%-600 bps
Share Growth (YoY)-0.45%-15.61%-15.72%-9.60%-8.87%-842 bps
Asset Quality
Delinquent Loans / Loans11.58%9.56%2.34%2.73%3.81%-776 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.23%2.16%1.97%2.17%2.13%-10 bps
Capital
Risk-Based Capital16.54%19.20%19.62%18.31%18.40%+186 bps
Net Worth / Assets16.54%19.20%19.62%18.31%18.40%+186 bps
Liquidity & Funding
Loans / Shares69.20%86.24%88.84%73.53%67.75%-145 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps