Moose Lake, MN · Charter 68635
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 30, 2015, 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.
Moose Lake, MN · Charter 68635
Q2 2015
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 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.09% | 0.02% | 0.01% | 0.42% | 0.20% | +11 bps | |
| Return on Equity | 0.84% | 0.17% | 0.05% | 4.06% | 1.90% | +106 bps | |
| Net Interest Margin | 3.32% | 3.37% | 3.36% | 3.28% | 3.34% | +1 bps | |
| Efficiency Ratio | 91.79% | 90.84% | 89.37% | 85.46% | 91.28% | -51 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.25% | 1.40% | 3.83% | 4.25% | 4.26% | +201 bps | |
| Loan Growth (YoY) | 9.18% | 14.02% | 12.61% | 10.65% | 7.05% | -213 bps | |
| Share Growth (YoY) | 1.86% | 0.94% | 4.87% | 4.70% | 4.82% | +297 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.60% | 1.15% | 0.85% | 0.58% | 0.71% | -90 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.31% | 1.33% | 1.37% | 1.31% | 1.31% | -1 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.76% | 10.70% | 10.53% | 10.30% | 10.38% | -38 bps | |
| Net Worth / Assets | 10.76% | 10.70% | 10.53% | 10.30% | 10.38% | -38 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.22% | 78.65% | 77.43% | 74.88% | 76.82% | +160 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |