PackageTrendsPeer
Letter portraitLegal landscape

Northwestern States Cement Emp.

Mason City, IA · Charter 64468

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

Northwestern States Cement Emp.

Mason City, IA · Charter 64468

Q3 2015

$623KAssets
$594KLoans
$371KShares
$250KNet 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 -6.64%, down 523 bps year over year; NIM at 9.11%.
  • Asset quality: problem loans at 15.65% of loans (+875 bps YoY).
  • Capital: net worth / assets of 40.18%, up 297 bps from a year ago.
  • Funding: loans stand at 160.07% of shares as of Q3 2015.

Financial Results

Return on Assets (YTD, annualized)

-6.64%-523 bps YoY

Net Interest Margin (YTD, annualized)

9.11%+39 bps YoY

Efficiency Ratio (YTD, annualized)

139.36%+3,618 bps YoY

Net Worth / Assets

40.18%+297 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets-1.41%-0.91%-2.35%-1.76%-6.64%-523 bps
Return on Equity-3.78%-2.35%-5.88%-4.39%-16.53%-1,275 bps
Net Interest Margin8.72%8.98%8.27%8.32%9.11%+39 bps
Efficiency Ratio103.17%101.37%112.61%113.12%139.36%+3,618 bps
Growth
Asset Growth (YoY)-14.02%-12.91%-13.12%-18.41%-17.20%-318 bps
Loan Growth (YoY)3.30%-0.17%-7.33%-7.54%-19.00%-2,230 bps
Share Growth (YoY)-19.10%-20.15%-18.16%-25.51%-21.21%-211 bps
Asset Quality
Delinquent Loans / Loans6.90%9.92%5.80%9.12%15.65%+875 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.32%1.30%1.71%1.55%1.13%-18 bps
Capital
Risk-Based Capital37.21%38.83%39.98%40.01%40.18%+297 bps
Net Worth / Assets37.21%38.83%39.98%40.01%40.18%+297 bps
Liquidity & Funding
Loans / Shares155.71%162.54%163.61%164.70%160.07%+436 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps