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Queen Employees

Albert Lea, MN · Charter 63669

Q3 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: Q3 2015, the quarter ended September 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

Queen Employees

Albert Lea, MN · Charter 63669

Q3 2015

$2.0MAssets
$804KLoans
$1.4MShares
$535KNet 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 -0.22%, down 41 bps year over year; NIM at 2.29%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 27.26%, down 128 bps from a year ago.
  • Funding: loans stand at 56.40% of shares as of Q3 2015.

Financial Results

Return on Assets (YTD, annualized)

-0.22%-41 bps YoY

Net Interest Margin (YTD, annualized)

2.29%-53 bps YoY

Efficiency Ratio (YTD, annualized)

109.24%+1,541 bps YoY

Net Worth / Assets

27.26%-128 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets0.19%-0.40%0.04%-0.15%-0.22%-41 bps
Return on Equity0.65%-1.47%0.15%-0.56%-0.81%-146 bps
Net Interest Margin2.82%2.61%2.41%2.20%2.29%-53 bps
Efficiency Ratio93.83%114.22%98.38%106.49%109.24%+1,541 bps
Growth
Asset Growth (YoY)-11.72%-5.20%-0.32%2.23%3.80%+1,553 bps
Loan Growth (YoY)-18.86%-17.71%-13.84%-16.01%-15.13%+373 bps
Share Growth (YoY)-15.03%-6.55%-0.60%2.88%5.62%+2,065 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.23%0.24%0.25%0.26%0.27%+4 bps
Capital
Risk-Based Capital28.54%26.99%26.28%26.88%27.26%-128 bps
Net Worth / Assets28.54%26.99%26.28%26.88%27.26%-128 bps
Liquidity & Funding
Loans / Shares70.19%63.63%58.84%56.65%56.40%-1,379 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps