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Collegeville Community

Collegeville, MN · Charter 63325

NCUA · 2 branches

Q1 2017

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: Q1 2017, the quarter ended March 31, 2017, 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

Collegeville Community

Collegeville, MN · Charter 63325

NCUA · 2 branches

Q1 2017

$10.3MAssets
$6.2MLoans
$9.7MShares
$520KNet 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 -9.57%, down 902 bps year over year; NIM at 3.36%.
  • Asset quality: problem loans at 1.25% of loans (-603 bps YoY).
  • Capital: net worth / assets of 5.07%, down 453 bps from a year ago.
  • Funding: loans stand at 63.42% of shares as of Q1 2017.

Financial Results

Return on Assets (YTD, annualized)

-9.57%-902 bps YoY

Net Interest Margin (YTD, annualized)

3.36%-48 bps YoY

Efficiency Ratio (YTD, annualized)

192.76%+8,055 bps YoY

Net Worth / Assets

5.07%-453 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2016Q2 2016Q3 2016Q4 2016Q1 2017YoY ΔTrend
Earnings
Return on Assets-0.55%0.65%0.10%-3.73%-9.57%-902 bps
Return on Equity-5.78%6.25%0.99%-51.75%-188.79%-18,301 bps
Net Interest Margin3.83%4.34%3.98%3.91%3.36%-48 bps
Efficiency Ratio112.21%86.34%96.28%137.29%192.76%+8,055 bps
Growth
Asset Growth (YoY)-2.38%-4.22%-3.94%-7.18%-11.17%-880 bps
Loan Growth (YoY)-1.74%-12.05%-20.32%-23.80%-24.45%-2,271 bps
Share Growth (YoY)-2.41%-4.86%-3.85%-2.51%-6.66%-424 bps
Asset Quality
Delinquent Loans / Loans7.28%4.19%6.36%2.35%1.25%-603 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.67%0.73%0.57%2.00%3.03%+236 bps
Capital
Risk-Based Capital9.60%10.33%10.09%7.21%5.07%-453 bps
Net Worth / Assets9.60%10.33%10.09%7.21%5.07%-453 bps
Liquidity & Funding
Loans / Shares78.35%74.30%69.37%67.46%63.42%-1,493 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps