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Moorhead Teachers

Moorhead, MN · Charter 64994

Q2 2014

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 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.

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

Moorhead Teachers

Moorhead, MN · Charter 64994

Q2 2014

$780KAssets
$87KLoans
$684KShares
$97KNet Worth

Executive Summary

  • Earnings: ROA of -2.77%, down 263 bps year over year; NIM at -1.04%.
  • Asset quality: problem loans at 22.69% of loans (+2,269 bps YoY).
  • Capital: net worth / assets of 12.41%, down 95 bps from a year ago.
  • Funding: loans stand at 12.76% of shares as of Q2 2014.

Return on Assets (YTD, annualized)

-2.77%-263 bps YoY

Net Interest Margin (YTD, annualized)

-1.04%-210 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

12.41%-95 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2012Q4 2012Q1 2013Q2 2013Q3 2013Q4 2013Q1 2014Q2 2014YoY ΔTrend
Earnings
Return on Assets0.12%0.23%-0.36%-0.14%0.14%0.14%-0.50%-2.77%-263 bps
Return on Equity0.70%1.36%-2.33%-1.08%0.94%0.97%-3.74%-22.36%-2,128 bps
Net Interest Margin2.27%2.11%1.31%1.06%1.32%1.31%1.02%-1.04%-210 bps
Efficiency Ratio94.57%89.08%127.36%113.67%89.49%89.25%148.78%n/an/a
Growth
Asset Growth (YoY)-5.78%3.33%3.82%17.87%22.02%18.20%19.52%0.51%-1,735 bps
Loan Growth (YoY)-27.81%-25.40%-24.68%-8.11%3.03%7.82%7.46%-17.15%-904 bps
Share Growth (YoY)-7.16%3.74%4.67%21.12%26.44%21.70%22.55%1.62%-1,950 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%26.47%22.69%+2,269 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans12.39%12.51%13.83%12.11%12.02%11.60%12.87%14.61%+251 bps
Capital
Risk-Based Capital17.76%16.91%15.43%13.36%14.78%14.45%13.29%12.41%-95 bps
Net Worth / Assets17.76%16.91%15.43%13.36%14.78%14.45%13.29%12.41%-95 bps
Liquidity & Funding
Loans / Shares21.49%19.89%16.23%15.65%17.51%17.62%14.23%12.76%-289 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps