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Buckbee Mears Employees

St Paul, MN · Charter 63543

NCUA · 1 branch

Q4 2016

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: Q4 2016, the quarter ended December 31, 2016, 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

Buckbee Mears Employees

St Paul, MN · Charter 63543

NCUA · 1 branch

Q4 2016

$12.8MAssets
$8.2MLoans
$9.3MShares
$2.9MNet 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 -22.20%, down 2,678 bps year over year; NIM at 4.26%.
  • Asset quality: problem loans at 2.70% of loans (-137 bps YoY).
  • Capital: net worth / assets of 23.02%, down 124 bps from a year ago.
  • Funding: loans stand at 87.67% of shares as of Q4 2016.

Financial Results

Return on Assets (YTD, annualized)

-22.20%-2,678 bps YoY

Net Interest Margin (YTD, annualized)

4.26%-164 bps YoY

Efficiency Ratio (YTD, annualized)

197.14%+16,644 bps YoY

Net Worth / Assets

23.02%-124 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2015Q1 2016Q2 2016Q3 2016Q4 2016YoY ΔTrend
Earnings
Return on Assets4.58%0.61%0.36%-2.29%-22.20%-2,678 bps
Return on Equity18.89%2.53%1.48%-7.84%-96.44%-11,533 bps
Net Interest Margin5.90%4.75%4.65%5.55%4.26%-164 bps
Efficiency Ratio30.70%88.84%89.72%103.06%197.14%+16,644 bps
Growth
Asset Growth (YoY)-1.25%-2.62%-5.83%-23.50%-34.73%-3,349 bps
Loan Growth (YoY)-11.97%-18.93%-23.95%-25.18%-32.86%-2,089 bps
Share Growth (YoY)-14.45%-13.59%-7.42%-27.49%-26.59%-1,214 bps
Asset Quality
Delinquent Loans / Loans4.07%2.34%4.58%5.62%2.70%-137 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.64%3.20%3.23%4.77%24.41%+2,077 bps
Capital
Risk-Based Capital24.26%24.20%24.55%29.25%23.02%-124 bps
Net Worth / Assets24.26%24.20%24.55%29.25%23.02%-124 bps
Liquidity & Funding
Loans / Shares95.85%88.62%84.38%106.50%87.67%-819 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps