Minot, ND · Charter 12998
NCUA · 5 branches
Q2 2017
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.73% | 0.68% | 0.56% | 0.59% | 0.48% | 0.37% | -0.02% | -0.07% | -66 bps | |
| Return on Equity | 7.84% | 7.42% | 6.10% | 6.19% | 5.11% | 3.98% | -0.24% | -0.81% | -700 bps | |
| Net Interest Margin | 2.94% | 2.81% | 2.57% | 2.59% | 2.53% | 2.46% | 2.30% | 2.35% | -24 bps | |
| Efficiency Ratio | 70.27% | 72.13% | 77.55% | 77.22% | 79.06% | 78.66% | 92.70% | 90.39% | +1,317 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.56% | 6.75% | 4.83% | 2.89% | 3.90% | 2.50% | 3.21% | 4.40% | +151 bps | |
| Loan Growth (YoY) | 2.71% | 2.68% | 1.45% | 0.15% | 4.55% | 6.34% | 9.41% | 13.01% | +1,285 bps | |
| Share Growth (YoY) | 5.35% | 6.44% | 3.94% | 2.43% | 3.57% | 1.55% | 3.84% | 4.78% | +236 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.61% | 0.62% | 0.69% | 1.32% | 1.00% | 0.65% | 0.73% | 0.94% | -38 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.78% | 0.72% | 0.68% | 0.60% | 0.53% | 0.54% | 0.50% | 0.50% | -10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.32% | 9.14% | 9.23% | 9.51% | 9.48% | 9.28% | 9.17% | 9.16% | -35 bps | |
| Net Worth / Assets | 9.32% | 9.14% | 9.23% | 9.51% | 9.48% | 9.28% | 9.17% | 9.16% | -35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.96% | 76.21% | 75.83% | 77.42% | 79.71% | 79.80% | 79.89% | 83.50% | +608 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |