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Rochester Dairy Cooperative Employe

Rochester, MN · Charter 63247

Q3 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: Q3 2012, the quarter ended September 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

Rochester Dairy Cooperative Employe

Rochester, MN · Charter 63247

Q3 2012

$2.1MAssets
$1.1MLoans
$1.9MShares
$222KNet 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 -0.65%, down 23 bps year over year; NIM at 2.74%.
  • Asset quality: problem loans at 0.12% of loans (-80 bps YoY).
  • Capital: net worth / assets of 10.46%, down 28 bps from a year ago.
  • Funding: loans stand at 60.48% of shares as of Q3 2012.

Financial Results

Return on Assets (YTD, annualized)

-0.65%-23 bps YoY

Net Interest Margin (YTD, annualized)

2.74%-25 bps YoY

Efficiency Ratio (YTD, annualized)

123.39%+955 bps YoY

Net Worth / Assets

10.46%-28 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets-0.42%-0.22%-0.44%-0.64%-0.65%-23 bps
Return on Equity-3.90%-1.98%-4.05%-6.26%-6.20%-231 bps
Net Interest Margin2.98%2.95%2.70%2.58%2.74%-25 bps
Efficiency Ratio113.84%110.39%115.89%124.57%123.39%+955 bps
Growth
Asset Growth (YoY)3.81%3.91%-0.51%1.03%-0.98%-479 bps
Loan Growth (YoY)-20.85%-19.39%-15.27%-12.78%4.08%+2,493 bps
Share Growth (YoY)5.34%4.98%-0.09%1.73%-0.67%-600 bps
Asset Quality
Delinquent Loans / Loans0.91%0.17%0.15%0.14%0.12%-80 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.29%1.11%1.17%1.54%1.39%+10 bps
Capital
Risk-Based Capital10.74%10.92%10.78%10.25%10.46%-28 bps
Net Worth / Assets10.74%10.92%10.78%10.25%10.46%-28 bps
Liquidity & Funding
Loans / Shares57.72%58.34%55.02%52.53%60.48%+276 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps