Minot, ND · Charter 17222
NCUA
Q1 2016
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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.27% | 0.17% | 0.04% | 0.05% | -0.55% | -83 bps | |
| Return on Equity | 2.39% | 1.52% | 0.34% | 0.44% | -4.86% | -725 bps | |
| Net Interest Margin | 3.27% | 3.31% | 3.32% | 3.42% | 3.23% | -5 bps | |
| Efficiency Ratio | 93.05% | 95.66% | 95.84% | 97.81% | 114.01% | +2,096 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.51% | 2.49% | 3.74% | -0.14% | -1.55% | -4 bps | |
| Loan Growth (YoY) | 1.37% | -0.79% | -0.71% | -0.30% | -5.09% | -646 bps | |
| Share Growth (YoY) | -3.44% | 2.43% | 4.19% | -0.08% | 0.02% | +346 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.17% | 1.98% | 1.29% | 1.29% | 1.36% | +19 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.04% | 0.98% | 1.11% | 1.03% | 1.01% | -3 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.38% | 11.44% | 11.34% | 11.70% | 11.40% | +2 bps | |
| Net Worth / Assets | 11.38% | 11.44% | 11.34% | 11.70% | 11.40% | +2 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.93% | 71.32% | 72.41% | 73.71% | 70.16% | -377 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |