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Murphy

Bloomington, MN · Charter 63865

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

Murphy

Bloomington, MN · Charter 63865

Q3 2015

$508KAssets
$303KLoans
$412KShares
$99KNet 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 -3.94%, down 426 bps year over year; NIM at 3.59%.
  • Asset quality: problem loans at 2.05% of loans (+188 bps YoY).
  • Capital: net worth / assets of 19.42%, up 104 bps from a year ago.
  • Funding: loans stand at 73.43% of shares as of Q3 2015.

Financial Results

Return on Assets (YTD, annualized)

-3.94%-426 bps YoY

Net Interest Margin (YTD, annualized)

3.59%-28 bps YoY

Efficiency Ratio (YTD, annualized)

208%+11,648 bps YoY

Net Worth / Assets

19.42%+104 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets0.32%0.03%0.13%0.07%-3.94%-426 bps
Return on Equity1.74%0.14%0.64%0.35%-20.31%-2,205 bps
Net Interest Margin3.87%4.08%3.62%3.49%3.59%-28 bps
Efficiency Ratio91.86%99.33%96.60%98.05%208%+11,648 bps
Growth
Asset Growth (YoY)-8.51%-12.95%-9.48%-12.47%-18.80%-1,030 bps
Loan Growth (YoY)-15.80%-20.29%-25.45%-30.40%-29.73%-1,393 bps
Share Growth (YoY)-9.80%-15.17%-11.20%-14.73%-19.33%-953 bps
Asset Quality
Delinquent Loans / Loans0.18%0.00%0.10%0.00%2.05%+188 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.32%2.49%2.64%2.99%3.30%+98 bps
Capital
Risk-Based Capital18.38%19.47%19.99%19.74%19.42%+104 bps
Net Worth / Assets18.38%19.47%19.99%19.74%19.42%+104 bps
Liquidity & Funding
Loans / Shares84.29%85.51%83.56%72.44%73.43%-1,086 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps