PackageTrendsPeer
Letter portraitLegal landscape

United Methodist Ministers' Service

Ames, IA · Charter 61919

Q3 2015

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 2015, the quarter ended September 30, 2015, 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 2026-10-10

United Methodist Ministers' Service

Ames, IA · Charter 61919

Q3 2015

$40.0MAssets
$13.3MLoans
$36.0MShares
$3.8MNet Worth

Executive Summary

  • Earnings: ROA of 0.56%, down 20 bps year over year; NIM at 2.33%.
  • Asset quality: problem loans at 0.37% of loans (-23 bps YoY).
  • Capital: net worth / assets of 9.49%, up 81 bps from a year ago.
  • Funding: loans stand at 36.95% of shares as of Q3 2015.

Return on Assets (YTD, annualized)

0.56%-20 bps YoY

Net Interest Margin (YTD, annualized)

2.33%-2 bps YoY

Efficiency Ratio (YTD, annualized)

81.05%+756 bps YoY

Net Worth / Assets

9.49%+81 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets0.68%0.56%0.88%0.76%0.84%0.63%0.47%0.56%-20 bps
Return on Equity8.41%6.99%10.08%8.77%9.11%6.94%5.15%5.90%-286 bps
Net Interest Margin2.24%2.26%2.38%2.35%2.43%2.22%2.27%2.33%-2 bps
Efficiency Ratio78.49%81.91%74.21%73.50%74.11%79.93%83.88%81.05%+756 bps
Growth
Asset Growth (YoY)-0.24%2.88%-2.34%1.73%0.22%-0.01%4.65%-0.49%-222 bps
Loan Growth (YoY)8.85%13.05%11.66%7.70%4.91%3.16%1.73%3.37%-434 bps
Share Growth (YoY)-0.81%2.71%-3.44%0.93%-1.13%-1.67%4.22%-1.33%-226 bps
Asset Quality
Delinquent Loans / Loans0.36%0.37%0.48%0.60%0.14%0.07%0.09%0.37%-23 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.56%1.74%1.71%1.89%1.48%1.48%1.47%1.42%-47 bps
Capital
Risk-Based Capital8.14%7.97%8.75%8.68%9.20%9.02%9.08%9.49%+81 bps
Net Worth / Assets8.14%7.97%8.75%8.68%9.20%9.02%9.08%9.49%+81 bps
Liquidity & Funding
Loans / Shares34.67%33.62%36.27%35.28%36.78%35.27%35.40%36.95%+168 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps