Proctor, MN · Charter 19960
NCUA · 2 branches
Q4 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2024, the quarter ended December 31, 2024, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,721 to 1,724). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
32
Asset Quality
38
Profitability
71
Liquidity
11
Efficiency
76
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Proctor, MN · Charter 19960
NCUA · 2 branches
Q4 2024
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 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.89% | 1.13% | 1.29% | 0.95% | 1.65% | 1.62% | 1.87% | 1.00% | +5 bps | |
| Return on Equity | 9.49% | 11.59% | 13.59% | 10.13% | 16.63% | 15.47% | 16.95% | 9.26% | -87 bps | |
| Net Interest Margin | 3.72% | 3.98% | 3.75% | 3.40% | 4.06% | 4.23% | 4.34% | 3.91% | +51 bps | |
| Efficiency Ratio | 80.32% | 76.42% | 71.52% | 76.46% | 58.66% | 60.98% | 58.83% | 69.39% | -706 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.03% | 1.52% | 7.10% | 9.22% | 10.70% | 9.17% | 2.09% | -0.26% | -948 bps | |
| Loan Growth (YoY) | 33.51% | 32.01% | 26.22% | 15.93% | 6.43% | 1.47% | -0.74% | -2.81% | -1,874 bps | |
| Share Growth (YoY) | 3.79% | 0.48% | 6.23% | 8.69% | 9.46% | 7.83% | -0.26% | -1.99% | -1,067 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.40% | 0.80% | 1.16% | 0.42% | 0.63% | 0.42% | 0.55% | 0.95% | +53 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 | 0.17% | 0.16% | 0.15% | 0.10% | 0.00% | 0.00% | 0.00% | 0.00% | -10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.35% | 9.71% | 9.47% | 9.42% | 9.93% | 10.49% | 11.02% | 10.80% | +138 bps | |
| Net Worth / Assets | 9.35% | 9.71% | 9.47% | 9.42% | 9.93% | 10.49% | 11.02% | 10.80% | +138 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.86% | 96.83% | 92.06% | 92.75% | 89.32% | 91.12% | 91.61% | 91.97% | -78 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Proctor, MN · Charter 19960 · Peer group: credit unions under $1B in assets (n=1,721-1,724)
NCUA · 2 branches
Q4 2024
Return on Assets
1.00%
Rank 529 of 1,724
Net Interest Margin
3.91%
Rank 634 of 1,723
Efficiency Ratio
69.39%
Rank 410 of 1,721
Equity / Assets
10.80%
Rank 1,171 of 1,723
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.00% | 0.25% | 0.67% | 1.13% | Beats 69% | 529 / 1,724 | ||
| Return on Equity | 9.26% | 1.95% | 5.34% | 8.54% | Beats 80% | 352 / 1,723 | ||
| Net Interest Margin | 3.91% | 3.03% | 3.61% | 4.27% | Beats 63% | 634 / 1,723 | ||
| Efficiency Ratio | 69.39% | 69.84% | 78.36% | 87.50% | Beats 76% | 410 / 1,721 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.95% | 0.28% | 0.70% | 1.38% | Beats 38% | 1,073 / 1,721 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.80% | 10.16% | 12.41% | 16.03% | Beats 32% | 1,172 / 1,724 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.80% | 10.15% | 12.41% | 16.03% | Beats 32% | 1,171 / 1,723 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 91.97% | 55.95% | 72.66% | 85.34% | 87th pctl | 226 / 1,722 | ||
| Loans / Assets | 81.42% | 47.91% | 62.00% | 72.82% | 92nd pctl | 131 / 1,723 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||