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Arvin Employees

Dexter, MO · Charter 65255

Q4 2011

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 2011, the quarter ended December 31, 2011, 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 2026-10-10

Arvin Employees

Dexter, MO · Charter 65255

Q4 2011

$930KAssets
$704KLoans
$795KShares
$133KNet 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 -3.16%, down 264 bps year over year; NIM at 5.38%.
  • Asset quality: problem loans at 2.55% of loans (+61 bps YoY).
  • Capital: net worth / assets of 14.36%, up 210 bps from a year ago.
  • Funding: loans stand at 88.57% of shares as of Q4 2011.

Financial Results

Return on Assets (YTD, annualized)

-3.16%-264 bps YoY

Net Interest Margin (YTD, annualized)

5.38%+131 bps YoY

Efficiency Ratio (YTD, annualized)

119.25%+695 bps YoY

Net Worth / Assets

14.36%+210 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2010Q1 2011Q2 2011Q3 2011Q4 2011YoY ΔTrend
Earnings
Return on Assets-0.52%-0.62%-2.71%-1.69%-3.16%-264 bps
Return on Equity-4.20%-3.91%-17.63%-12.15%-21.98%-1,778 bps
Net Interest Margin4.07%5.26%5.52%4.97%5.38%+131 bps
Efficiency Ratio112.30%109.83%114.01%110.20%119.25%+695 bps
Growth
Asset Growth (YoY)12.70%-21.62%-21.61%-21.20%-31.72%-4,442 bps
Loan Growth (YoY)48.62%58.15%51.18%34.65%-14.23%-6,285 bps
Share Growth (YoY)15.37%-24.00%-21.27%-21.69%-32.79%-4,816 bps
Asset Quality
Delinquent Loans / Loans1.94%0.41%4.84%4.68%2.55%+61 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.02%0.76%1.91%2.10%3.06%+104 bps
Capital
Risk-Based Capital12.26%15.88%15.38%13.91%14.36%+210 bps
Net Worth / Assets12.26%15.88%15.38%13.91%14.36%+210 bps
Liquidity & Funding
Loans / Shares69.40%103.18%100.67%85.41%88.57%+1,917 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps