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Minnesota Catholic

Minneapolis, MN · Charter 60722

Q2 2011

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: Q2 2011, the quarter ended June 30, 2011, 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

Minnesota Catholic

Minneapolis, MN · Charter 60722

Q2 2011

$6.1MAssets
$3.1MLoans
$5.7MShares
$397KNet 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 -1.96%, down 39 bps year over year; NIM at 3.14%.
  • Asset quality: problem loans at 0.39% of loans (+18 bps YoY).
  • Capital: net worth / assets of 6.49%, down 208 bps from a year ago.
  • Funding: loans stand at 54.22% of shares as of Q2 2011.

Financial Results

Return on Assets (YTD, annualized)

-1.96%-39 bps YoY

Net Interest Margin (YTD, annualized)

3.14%-45 bps YoY

Efficiency Ratio (YTD, annualized)

161.45%+3,535 bps YoY

Net Worth / Assets

6.49%-208 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2009Q1 2010Q3 2010Q1 2011Q2 2011YoY ΔTrend
Earnings
Return on Assets-1.57%0.13%0.09%0.05%-1.96%-39 bps
Return on Equity-18.37%1.61%1.22%0.70%-30.27%-1,190 bps
Net Interest Margin3.59%3.31%3.10%3.14%3.14%-45 bps
Efficiency Ratio126.11%96.33%90.46%98.33%161.45%+3,535 bps
Growth
Asset Growth (YoY)5.57%10.05%15.78%12.77%15.84%+1,027 bps
Loan Growth (YoY)6.17%-0.77%-8.81%-10.72%-9.96%-1,612 bps
Share Growth (YoY)8.02%12.97%19.29%14.94%18.30%+1,027 bps
Asset Quality
Delinquent Loans / Loans0.21%0.65%0.00%0.52%0.39%+18 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.36%0.38%0.42%0.44%0.44%+8 bps
Capital
Risk-Based Capital8.57%7.91%7.31%7.60%6.49%-208 bps
Net Worth / Assets8.57%7.91%7.31%7.60%6.49%-208 bps
Liquidity & Funding
Loans / Shares71.23%63.27%55.17%54.47%54.22%-1,701 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps