PackageTrendsPeer
Letter portraitLegal landscape

Ray Cooperative

Ray, ND · Charter 63912

Q3 2011

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 2011, the quarter ended September 30, 2011, 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

Ray Cooperative

Ray, ND · Charter 63912

Q3 2011

$14.6MAssets
$3.6MLoans
$13.6MShares
$961KNet Worth

Executive Summary

  • Earnings: ROA of 0.02%, up 122 bps year over year; NIM at 1.65%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 6.58%, down 453 bps from a year ago.
  • Funding: loans stand at 26.69% of shares as of Q3 2011.

Return on Assets (YTD, annualized)

0.02%+122 bps YoY

Net Interest Margin (YTD, annualized)

1.65%-36 bps YoY

Efficiency Ratio (YTD, annualized)

121.06%-3,810 bps YoY

Net Worth / Assets

6.58%-453 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2009Q3 2009Q4 2009Q1 2010Q3 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets1.17%0.55%0.08%-1.20%-1.20%-0.42%-0.44%0.02%+122 bps
Return on Equity9.04%4.13%0.74%-10.78%-12.97%-5.77%-6.24%0.37%+1,115 bps
Net Interest Margin3.31%3.35%2.64%2.01%1.79%1.70%1.69%1.65%-36 bps
Efficiency Ratio69.49%82.74%93.93%159.16%161.61%122.16%122.50%121.06%-3,810 bps
Growth
Asset Growth (YoY)12.48%4.97%22.01%2.68%21.96%56.53%31.92%55.45%+5,277 bps
Loan Growth (YoY)8.34%1.21%3.36%-7.50%12.80%17.22%34.93%76.01%+8,351 bps
Share Growth (YoY)14.08%5.76%26.15%3.49%27.10%67.45%37.17%63.45%+5,996 bps
Asset Quality
Delinquent Loans / Loans1.77%0.03%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.98%1.93%1.94%2.24%1.75%1.65%1.44%0.00%-224 bps
Capital
Risk-Based Capital12.91%13.29%10.64%11.12%9.28%7.30%6.99%6.58%-453 bps
Net Worth / Assets12.91%13.29%10.64%11.12%9.28%7.30%6.99%6.58%-453 bps
Liquidity & Funding
Loans / Shares31.22%33.54%26.53%24.79%27.70%23.48%26.09%26.69%+190 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps