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General Mills Employees

Lansing, IL · Charter 61354

NCUA · 2 branches

Q2 2016

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 2016, the quarter ended June 30, 2016, 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

General Mills Employees

Lansing, IL · Charter 61354

NCUA · 2 branches

Q2 2016

$12.6MAssets
$5.2MLoans
$10.2MShares
$2.1MNet 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 -5.86%, down 615 bps year over year; NIM at 3.23%.
  • Asset quality: problem loans at 2.12% of loans (+69 bps YoY).
  • Capital: net worth / assets of 16.54%, down 130 bps from a year ago.
  • Funding: loans stand at 50.91% of shares as of Q2 2016.

Financial Results

Return on Assets (YTD, annualized)

-5.86%-615 bps YoY

Net Interest Margin (YTD, annualized)

3.23%+3 bps YoY

Efficiency Ratio (YTD, annualized)

251%+15,937 bps YoY

Net Worth / Assets

16.54%-130 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2015Q3 2015Q4 2015Q1 2016Q2 2016YoY ΔTrend
Earnings
Return on Assets0.29%0.25%0.12%0.00%-5.86%-615 bps
Return on Equity1.63%1.36%0.67%0.02%-35.43%-3,706 bps
Net Interest Margin3.20%3.33%3.35%3.33%3.23%+3 bps
Efficiency Ratio91.76%90.36%94.41%99.92%251%+15,937 bps
Growth
Asset Growth (YoY)-3.69%-2.37%-4.29%-3.46%-8.48%-479 bps
Loan Growth (YoY)-9.60%-12.82%-13.30%-18.45%-17.81%-821 bps
Share Growth (YoY)-4.85%-3.12%-5.34%-4.19%-9.52%-466 bps
Asset Quality
Delinquent Loans / Loans1.43%1.39%2.59%2.59%2.12%+69 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.96%1.18%1.15%1.04%1.38%+42 bps
Capital
Risk-Based Capital17.84%18.25%18.50%18.36%16.54%-130 bps
Net Worth / Assets17.84%18.25%18.50%18.36%16.54%-130 bps
Liquidity & Funding
Loans / Shares56.05%55.06%54.02%48.95%50.91%-514 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps