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McMillen Master

Gibson City, IL · Charter 65005

Q4 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: Q4 2015, the quarter ended December 31, 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

McMillen Master

Gibson City, IL · Charter 65005

Q4 2015

$333KAssets
$252KLoans
$227KShares
$105KNet Worth

Executive Summary

  • Earnings: ROA of 2.02%, up 75 bps year over year; NIM at 7.80%.
  • Asset quality: problem loans at 10.90% of loans (+1,079 bps YoY).
  • Capital: net worth / assets of 31.62%, up 776 bps from a year ago.
  • Funding: loans stand at 110.88% of shares as of Q4 2015.

Return on Assets (YTD, annualized)

2.02%+75 bps YoY

Net Interest Margin (YTD, annualized)

7.80%+187 bps YoY

Efficiency Ratio (YTD, annualized)

71.15%-549 bps YoY

Net Worth / Assets

31.62%+776 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015Q3 2015Q4 2015YoY ΔTrend
Earnings
Return on Assets0.70%1.00%0.94%1.27%1.97%2.25%2.26%2.02%+75 bps
Return on Equity2.96%4.22%3.86%5.30%8.61%9.37%8.76%6.38%+108 bps
Net Interest Margin5.78%5.70%5.80%5.93%6.36%6.34%6.62%7.80%+187 bps
Efficiency Ratio83.61%80.41%82.18%76.63%65.99%62.05%63.22%71.15%-549 bps
Growth
Asset Growth (YoY)11.56%15.58%15.95%13.28%10.94%7.08%3.34%-19.58%-3,286 bps
Loan Growth (YoY)2.24%12.48%20.20%19.54%31.96%29.38%1.33%-25.06%-4,460 bps
Share Growth (YoY)14.92%20.18%20.66%16.01%12.23%6.78%1.23%-27.85%-4,386 bps
Asset Quality
Delinquent Loans / Loans0.00%4.60%0.60%0.11%2.79%2.04%0.00%10.90%+1,079 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans3.22%3.12%1.63%1.88%2.06%2.00%2.09%3.05%+117 bps
Capital
Risk-Based Capital23.70%23.75%24.30%23.86%22.89%24.01%25.76%31.62%+776 bps
Net Worth / Assets23.70%23.75%24.30%23.86%22.89%24.01%25.76%31.62%+776 bps
Liquidity & Funding
Loans / Shares85.93%91.35%117.43%106.76%101.04%110.69%117.54%110.88%+412 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps