Mora, MN · Charter 64798
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 30, 2014, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Mora, MN · Charter 64798
Q2 2014
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.27% | 0.38% | 0.38% | 0.24% | 0.29% | +2 bps | |
| Return on Equity | 2.74% | 3.80% | 3.76% | 2.35% | 2.87% | +13 bps | |
| Net Interest Margin | 3.06% | 3.09% | 3.04% | 2.92% | 2.93% | -12 bps | |
| Efficiency Ratio | 87.51% | 86.37% | 86.86% | 92.16% | 95.90% | +839 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.68% | -1.41% | -0.60% | -1.45% | 0.06% | +274 bps | |
| Loan Growth (YoY) | -10.84% | -7.43% | -5.76% | -3.70% | -2.26% | +858 bps | |
| Share Growth (YoY) | -2.90% | -2.73% | -1.06% | -1.89% | 0.51% | +341 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.11% | 3.52% | 2.40% | 2.22% | 2.47% | -164 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.95% | 3.91% | 3.17% | 3.23% | 3.00% | -95 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.86% | 10.08% | 10.00% | 10.07% | 10.25% | +39 bps | |
| Net Worth / Assets | 9.86% | 10.08% | 10.00% | 10.07% | 10.25% | +39 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.51% | 63.30% | 60.51% | 60.23% | 60.79% | -172 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |