PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Pennington Municipal & County Emp

Thief River F, MN · Charter 64331

NCUA · 1 branch

Q2 2017

$1.6MAssets
$951KLoans
$1.4MShares
$183KNet 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 0.03%, up 16 bps year over year; NIM at 3.24%.
  • Asset quality: problem loans at 0.00% of loans (-8 bps YoY).
  • Capital: net worth / assets of 11.75%, up 4 bps from a year ago.
  • Funding: loans stand at 69.33% of shares as of Q2 2017.

Financial Results

Return on Assets (YTD, annualized)

0.03%+16 bps YoY

Net Interest Margin (YTD, annualized)

3.24%+17 bps YoY

Efficiency Ratio (YTD, annualized)

99.19%-516 bps YoY

Net Worth / Assets

11.75%+4 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2016Q3 2016Q4 2016Q1 2017Q2 2017YoY ΔTrend
Earnings
Return on Assets-0.13%-0.04%-0.06%0.10%0.03%+16 bps
Return on Equity-1.15%-0.31%-0.52%0.91%0.23%+138 bps
Net Interest Margin3.07%3.09%3.02%3.04%3.24%+17 bps
Efficiency Ratio104.35%101.13%101.91%96.79%99.19%-516 bps
Growth
Asset Growth (YoY)1.05%5.46%6.90%8.84%-0.15%-120 bps
Loan Growth (YoY)9.74%9.67%4.92%2.89%1.84%-789 bps
Share Growth (YoY)1.13%6.04%8.04%10.04%0.08%-105 bps
Asset Quality
Delinquent Loans / Loans0.08%0.00%0.00%0.00%0.00%-8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.47%1.47%1.50%1.45%1.44%-3 bps
Capital
Risk-Based Capital11.71%11.36%11.17%10.80%11.75%+4 bps
Net Worth / Assets11.71%11.36%11.17%10.80%11.75%+4 bps
Liquidity & Funding
Loans / Shares68.13%65.81%63.18%62.66%69.33%+120 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps