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Mill City Credit Union

Minnetonka, MN · Charter 68654

NCUA · 8 branches

Q4 2018

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 2018, the quarter ended December 31, 2018, 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

Mill City Credit Union

Minnetonka, MN · Charter 68654

NCUA · 8 branches

Q4 2018

$332.0MAssets
$232.7MLoans
$290.5MShares
$38.8MNet 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 0.80%, up 18 bps year over year; NIM at 3.07%.
  • Asset quality: problem loans at 0.11% of loans (+3 bps YoY).
  • Capital: net worth / assets of 11.69%, up 32 bps from a year ago.
  • Funding: loans stand at 80.08% of shares as of Q4 2018.

Financial Results

Return on Assets (YTD, annualized)

0.80%+18 bps YoY

Net Interest Margin (YTD, annualized)

3.07%+35 bps YoY

Efficiency Ratio (YTD, annualized)

78.91%-33 bps YoY

Net Worth / Assets

11.69%+32 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2017Q1 2018Q2 2018Q3 2018Q4 2018YoY ΔTrend
Earnings
Return on Assets0.62%0.89%0.79%0.80%0.80%+18 bps
Return on Equity5.47%7.96%6.76%6.81%6.82%+136 bps
Net Interest Margin2.73%2.79%2.90%2.93%3.07%+35 bps
Efficiency Ratio79.24%75.17%77.15%77.53%78.91%-33 bps
Growth
Asset Growth (YoY)2.73%2.75%1.41%0.88%-1.07%-380 bps
Loan Growth (YoY)8.37%8.60%7.61%7.16%8.85%+48 bps
Share Growth (YoY)2.16%2.22%0.91%0.32%-1.56%-372 bps
Asset Quality
Delinquent Loans / Loans0.08%0.08%0.04%0.08%0.11%+3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.30%0.29%0.27%0.28%0.22%-8 bps
Capital
Risk-Based Capital11.37%11.18%11.62%11.72%11.69%+32 bps
Net Worth / Assets11.37%11.18%11.62%11.72%11.69%+32 bps
Liquidity & Funding
Loans / Shares72.42%69.63%73.24%74.66%80.08%+766 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps