PackageTrendsPeer
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Great River Community

Quincy, IL · Charter 64511

NCUA

Q1 2016

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: Q1 2016, the quarter ended March 31, 2016, 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

Great River Community

Quincy, IL · Charter 64511

NCUA

Q1 2016

$21.4MAssets
$7.1MLoans
$18.1MShares
$3.2MNet Worth

Executive Summary

  • Earnings: ROA of -3.23%, down 309 bps year over year; NIM at 2.66%.
  • Asset quality: problem loans at 0.53% of loans (+18 bps YoY).
  • Capital: net worth / assets of 15.17%, down 101 bps from a year ago.
  • Funding: loans stand at 39.49% of shares as of Q1 2016.

Return on Assets (YTD, annualized)

-3.23%-309 bps YoY

Net Interest Margin (YTD, annualized)

2.66%+7 bps YoY

Efficiency Ratio (YTD, annualized)

227%+12,827 bps YoY

Net Worth / Assets

15.17%-101 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2014Q3 2014Q4 2014Q1 2015Q2 2015Q3 2015Q4 2015Q1 2016YoY ΔTrend
Earnings
Return on Assets0.12%0.11%-0.01%-0.13%-0.14%-0.18%-0.18%-3.23%-309 bps
Return on Equity0.72%0.63%-0.09%-0.83%-0.82%-1.10%-1.11%-21.28%-2,045 bps
Net Interest Margin2.68%2.79%2.78%2.58%2.69%2.77%2.72%2.66%+7 bps
Efficiency Ratio90.73%91.79%92.65%99.05%99.02%100.22%100.25%227%+12,827 bps
Growth
Asset Growth (YoY)2.39%4.24%2.91%0.02%-0.93%0.35%1.68%0.39%+37 bps
Loan Growth (YoY)-1.44%1.49%0.56%-2.10%-3.93%-6.28%-3.79%-0.25%+185 bps
Share Growth (YoY)2.81%5.01%3.62%0.11%-0.92%0.74%2.21%1.35%+124 bps
Asset Quality
Delinquent Loans / Loans0.60%1.01%1.20%0.35%0.49%0.69%0.66%0.53%+18 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.55%0.61%0.64%0.52%0.42%0.56%0.71%0.53%0 bps
Capital
Risk-Based Capital16.48%17.08%16.95%16.19%16.49%16.79%16.49%15.17%-101 bps
Net Worth / Assets16.48%17.08%16.95%16.19%16.49%16.79%16.49%15.17%-101 bps
Liquidity & Funding
Loans / Shares42.87%45.92%44.05%40.13%41.57%42.72%41.46%39.49%-63 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps