PackageTrendsPeer
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Affiliated Employees

Fargo, ND · Charter 62409

Q2 2012

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 2012, the quarter ended June 30, 2012, 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

Affiliated Employees

Fargo, ND · Charter 62409

Q2 2012

$4.4MAssets
$699KLoans
$3.9MShares
$450KNet 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 -0.76%, down 50 bps year over year; NIM at 1.51%.
  • Asset quality: problem loans at 0.07% of loans (+7 bps YoY).
  • Capital: net worth / assets of 10.23%, up 48 bps from a year ago.
  • Funding: loans stand at 17.71% of shares as of Q2 2012.

Financial Results

Return on Assets (YTD, annualized)

-0.76%-50 bps YoY

Net Interest Margin (YTD, annualized)

1.51%-57 bps YoY

Efficiency Ratio (YTD, annualized)

150.68%+4,358 bps YoY

Net Worth / Assets

10.23%+48 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets-0.26%-0.17%-0.17%-0.69%-0.76%-50 bps
Return on Equity-2.69%-1.68%-1.54%-6.57%-7.48%-479 bps
Net Interest Margin2.08%2.08%2.32%1.61%1.51%-57 bps
Efficiency Ratio107.09%104.25%101.53%143.00%150.68%+4,358 bps
Growth
Asset Growth (YoY)-3.38%-4.00%-14.39%-11.20%-8.27%-489 bps
Loan Growth (YoY)-17.54%-7.90%-18.15%-27.08%-29.27%-1,173 bps
Share Growth (YoY)-3.39%-4.35%-15.70%-11.99%-8.62%-523 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.07%0.06%0.07%+7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.45%0.21%0.49%0.39%0.33%-13 bps
Capital
Risk-Based Capital9.75%9.85%11.08%10.56%10.23%+48 bps
Net Worth / Assets9.75%9.85%11.08%10.56%10.23%+48 bps
Liquidity & Funding
Loans / Shares22.89%23.16%24.97%20.22%17.71%-517 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps