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Super Valu Employees

Hopkins, MN · Charter 64246

NCUA · 2 branches

Q2 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: Q2 2017, the quarter ended June 30, 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

Super Valu Employees

Hopkins, MN · Charter 64246

NCUA · 2 branches

Q2 2017

$23.3MAssets
$19.8MLoans
$19.6MShares
$3.4MNet 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 -9.42%, down 973 bps year over year; NIM at 1.58%.
  • Asset quality: problem loans at 0.56% of loans (-12 bps YoY).
  • Capital: net worth / assets of 14.61%, down 719 bps from a year ago.
  • Funding: loans stand at 100.85% of shares as of Q2 2017.

Financial Results

Return on Assets (YTD, annualized)

-9.42%-973 bps YoY

Net Interest Margin (YTD, annualized)

1.58%-373 bps YoY

Efficiency Ratio (YTD, annualized)

298%+21,173 bps YoY

Net Worth / Assets

14.61%-719 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2016Q3 2016Q4 2016Q1 2017Q2 2017YoY ΔTrend
Earnings
Return on Assets0.31%0.33%0.42%0.64%-9.42%-973 bps
Return on Equity1.42%1.54%1.97%3.08%-64.51%-6,593 bps
Net Interest Margin5.31%5.29%5.24%5.23%1.58%-373 bps
Efficiency Ratio86.72%88.28%86.89%86.84%298%+21,173 bps
Growth
Asset Growth (YoY)5.82%3.78%8.34%7.39%14.30%+848 bps
Loan Growth (YoY)13.92%13.29%14.52%22.86%23.32%+939 bps
Share Growth (YoY)7.57%6.41%11.01%8.91%23.86%+1,629 bps
Asset Quality
Delinquent Loans / Loans0.68%1.13%0.61%0.81%0.56%-12 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.99%0.98%0.97%0.87%3.70%+271 bps
Capital
Risk-Based Capital21.80%21.48%21.27%20.87%14.61%-719 bps
Net Worth / Assets21.80%21.48%21.27%20.87%14.61%-719 bps
Liquidity & Funding
Loans / Shares101.29%101.64%99.72%104.40%100.85%-44 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps