Moorhead, MN · Charter 64994
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.
Moorhead, MN · Charter 64994
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 | -0.14% | 0.14% | 0.14% | -0.50% | -2.77% | -263 bps | |
| Return on Equity | -1.08% | 0.94% | 0.97% | -3.74% | -22.36% | -2,128 bps | |
| Net Interest Margin | 1.06% | 1.32% | 1.31% | 1.02% | -1.04% | -210 bps | |
| Efficiency Ratio | 113.67% | 89.49% | 89.25% | 148.78% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 17.87% | 22.02% | 18.20% | 19.52% | 0.51% | -1,735 bps | |
| Loan Growth (YoY) | -8.11% | 3.03% | 7.82% | 7.46% | -17.15% | -904 bps | |
| Share Growth (YoY) | 21.12% | 26.44% | 21.70% | 22.55% | 1.62% | -1,950 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 26.47% | 22.69% | +2,269 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 12.11% | 12.02% | 11.60% | 12.87% | 14.61% | +251 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.36% | 14.78% | 14.45% | 13.29% | 12.41% | -95 bps | |
| Net Worth / Assets | 13.36% | 14.78% | 14.45% | 13.29% | 12.41% | -95 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 15.65% | 17.51% | 17.62% | 14.23% | 12.76% | -289 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |