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St. Patrick (Croswell)

Croswell, MI · Charter 62239

Q2 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: Q2 2015, the quarter ended June 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 2026-10-11

St. Patrick (Croswell)

Croswell, MI · Charter 62239

Q2 2015

$1.4MAssets
$277KLoans
$1.1MShares
$378KNet 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 0.38%, up 210 bps year over year; NIM at 2.85%.
  • Asset quality: problem loans at 0.00% of loans (-250 bps YoY).
  • Capital: net worth / assets of 26.29%, up 112 bps from a year ago.
  • Funding: loans stand at 26.16% of shares as of Q2 2015.

Financial Results

Return on Assets (YTD, annualized)

0.38%+210 bps YoY

Net Interest Margin (YTD, annualized)

2.85%-14 bps YoY

Efficiency Ratio (YTD, annualized)

90.18%-6,233 bps YoY

Net Worth / Assets

26.29%+112 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2014Q3 2014Q4 2014Q1 2015Q2 2015YoY ΔTrend
Earnings
Return on Assets-1.72%-1.23%-1.35%-0.06%0.38%+210 bps
Return on Equity-6.84%-4.84%-5.28%-0.22%1.45%+830 bps
Net Interest Margin2.99%2.94%3.04%3.03%2.85%-14 bps
Efficiency Ratio152.51%130.64%134.91%101.85%90.18%-6,233 bps
Growth
Asset Growth (YoY)-17.84%-15.72%-8.73%-3.83%-5.06%+1,279 bps
Loan Growth (YoY)-34.02%-28.89%1.44%-6.82%-12.51%+2,151 bps
Share Growth (YoY)-11.13%-7.62%-9.84%-5.92%-5.90%+523 bps
Asset Quality
Delinquent Loans / Loans2.50%0.93%1.43%0.80%0.00%-250 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans27.70%23.21%24.38%27.61%29.90%+221 bps
Capital
Risk-Based Capital25.17%25.29%25.57%25.81%26.29%+112 bps
Net Worth / Assets25.17%25.29%25.57%25.81%26.29%+112 bps
Liquidity & Funding
Loans / Shares28.14%31.44%31.28%28.68%26.16%-198 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps