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 | |