St. Paul_, MN · Charter 24158
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 2011, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
St. Paul_, MN · Charter 24158
Q1 2011
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 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.59% | 0.53% | 1.92% | 1.28% | 1.88% | +128 bps | |
| Return on Equity | 4.01% | 3.54% | 13.36% | 8.72% | 11.75% | +774 bps | |
| Net Interest Margin | 5.65% | 6.33% | 5.98% | 6.03% | 5.82% | +17 bps | |
| Efficiency Ratio | 89.64% | 85.41% | 68.30% | 77.71% | 65.71% | -2,393 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 19.40% | 12.34% | 13.57% | 14.99% | 3.86% | -1,554 bps | |
| Loan Growth (YoY) | 34.85% | 17.26% | 8.37% | 23.02% | -10.96% | -4,581 bps | |
| Share Growth (YoY) | 11.71% | 9.37% | 11.76% | 15.30% | 0.26% | -1,145 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.40% | 1.02% | 1.90% | 0.45% | 0.45% | -95 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.51% | 0.52% | 0.52% | 0.38% | 0.51% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.82% | 15.02% | 14.41% | 14.70% | 15.99% | +117 bps | |
| Net Worth / Assets | 14.82% | 15.02% | 14.41% | 14.70% | 15.99% | +117 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 120.45% | 113.86% | 104.57% | 113.60% | 106.98% | -1,347 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |