PackageTrendsPeer
Letter portraitLegal landscape

Midwest Federal Employees

Waterloo, IA · Charter 64727

Q2 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: Q2 2015, the quarter ended June 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

Midwest Federal Employees

Waterloo, IA · Charter 64727

Q2 2015

$6.7MAssets
$1.3MLoans
$5.7MShares
$945KNet 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 -0.19%, down 1 bps year over year; NIM at 1.62%.
  • Asset quality: problem loans at 0.36% of loans (-59 bps YoY).
  • Capital: net worth / assets of 14.15%, up 159 bps from a year ago.
  • Funding: loans stand at 21.86% of shares as of Q2 2015.

Financial Results

Return on Assets (YTD, annualized)

-0.19%-1 bps YoY

Net Interest Margin (YTD, annualized)

1.62%+1 bps YoY

Efficiency Ratio (YTD, annualized)

108.40%+66 bps YoY

Net Worth / Assets

14.15%+159 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2014Q3 2014Q4 2014Q1 2015Q2 2015YoY ΔTrend
Earnings
Return on Assets-0.17%-0.15%-0.19%-0.19%-0.19%-1 bps
Return on Equity-1.38%-1.17%-1.47%-1.46%-1.32%+7 bps
Net Interest Margin1.61%1.67%1.70%1.53%1.62%+1 bps
Efficiency Ratio107.75%106.37%102.26%108.83%108.40%+66 bps
Growth
Asset Growth (YoY)-8.89%-5.97%-6.69%-5.09%-12.51%-362 bps
Loan Growth (YoY)-2.87%2.16%-6.53%-11.58%-18.05%-1,518 bps
Share Growth (YoY)-9.61%-6.60%-7.50%-5.74%-14.13%-452 bps
Asset Quality
Delinquent Loans / Loans0.95%1.29%0.65%0.61%0.36%-59 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.08%1.06%0.98%1.07%1.13%+5 bps
Capital
Risk-Based Capital12.56%12.82%13.16%12.77%14.15%+159 bps
Net Worth / Assets12.56%12.82%13.16%12.77%14.15%+159 bps
Liquidity & Funding
Loans / Shares22.90%24.12%22.97%20.35%21.86%-104 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps