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Metamora St. Mary's Parish

Metamora, IL · Charter 65230

NCUA · 2 branches

Q4 2019

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 2019, the quarter ended December 31, 2019, 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

Metamora St. Mary's Parish

Metamora, IL · Charter 65230

NCUA · 2 branches

Q4 2019

$2.4MAssets
$1.1MLoans
$2.0MShares
$398KNet 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 -0.50%, down 120 bps year over year; NIM at 3.06%.
  • Asset quality: problem loans at 5.33% of loans (+330 bps YoY).
  • Capital: net worth / assets of 16.46%, up 45 bps from a year ago.
  • Funding: loans stand at 52.31% of shares as of Q4 2019.

Financial Results

Return on Assets (YTD, annualized)

-0.50%-120 bps YoY

Net Interest Margin (YTD, annualized)

3.06%-67 bps YoY

Efficiency Ratio (YTD, annualized)

115.61%+3,265 bps YoY

Net Worth / Assets

16.46%+45 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2018Q1 2019Q2 2019Q3 2019Q4 2019YoY ΔTrend
Earnings
Return on Assets0.69%-0.36%-0.40%-0.76%-0.50%-120 bps
Return on Equity4.33%-2.17%-2.43%-4.55%-3.06%-739 bps
Net Interest Margin3.73%3.06%2.93%2.91%3.06%-67 bps
Efficiency Ratio82.96%111.31%112.78%124.28%115.61%+3,265 bps
Growth
Asset Growth (YoY)-15.90%-15.67%-8.94%-10.12%-5.64%+1,026 bps
Loan Growth (YoY)-7.24%-4.02%-9.12%-2.02%2.86%+1,010 bps
Share Growth (YoY)-18.81%-18.59%-10.73%-11.85%-6.15%+1,266 bps
Asset Quality
Delinquent Loans / Loans2.03%3.26%7.12%1.97%5.33%+330 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.62%2.60%2.09%2.18%2.18%-44 bps
Capital
Risk-Based Capital16.01%16.51%16.39%16.66%16.46%+45 bps
Net Worth / Assets16.01%16.51%16.39%16.66%16.46%+45 bps
Liquidity & Funding
Loans / Shares47.73%52.79%51.71%52.48%52.31%+458 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps