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Good Shepherd

Lincoln Park, MI · Charter 62630

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

Good Shepherd

Lincoln Park, MI · Charter 62630

Q2 2015

$96.8MAssets
$22.4MLoans
$88.8MShares
$7.8MNet Worth

Executive Summary

  • Earnings: ROA of -0.54%, down 42 bps year over year; NIM at 1.85%.
  • Asset quality: problem loans at 0.39% of loans (-54 bps YoY).
  • Capital: net worth / assets of 8.03%, down 31 bps from a year ago.
  • Funding: loans stand at 25.25% of shares as of Q2 2015.

Return on Assets (YTD, annualized)

-0.54%-42 bps YoY

Net Interest Margin (YTD, annualized)

1.85%-22 bps YoY

Efficiency Ratio (YTD, annualized)

130.83%+3,254 bps YoY

Net Worth / Assets

8.03%-31 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015YoY ΔTrend
Earnings
Return on Assets0.19%0.23%-0.21%-0.11%0.04%0.02%0.17%-0.54%-42 bps
Return on Equity2.19%2.66%-2.58%-1.35%0.45%0.27%2.04%-6.69%-534 bps
Net Interest Margin2.32%2.34%2.07%2.07%2.19%2.19%1.94%1.85%-22 bps
Efficiency Ratio94.58%92.78%100.88%98.29%95.65%96.46%98.38%130.83%+3,254 bps
Growth
Asset Growth (YoY)-1.05%-0.39%1.22%0.76%1.72%0.88%0.74%1.50%+74 bps
Loan Growth (YoY)-7.57%4.75%11.31%11.45%10.80%4.52%-1.87%-5.17%-1,662 bps
Share Growth (YoY)1.11%1.48%2.96%1.49%0.93%0.31%0.00%1.80%+31 bps
Asset Quality
Delinquent Loans / Loans1.44%0.39%0.99%0.93%0.45%0.61%0.79%0.39%-54 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.52%0.94%0.91%1.09%0.86%0.78%0.65%0.52%-57 bps
Capital
Risk-Based Capital8.71%8.71%8.31%8.34%8.68%8.66%8.37%8.03%-31 bps
Net Worth / Assets8.71%8.71%8.31%8.34%8.68%8.66%8.37%8.03%-31 bps
Liquidity & Funding
Loans / Shares25.42%26.65%26.53%27.10%27.91%27.77%26.03%25.25%-186 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps