Bloomington, MN · Charter 24297
NCUA · 11 branches
Q3 2020
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 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.88% | 0.57% | 0.66% | 0.64% | 0.70% | 0.66% | 0.58% | 0.64% | 0 bps | |
| Return on Equity | 8.74% | 5.77% | 6.54% | 6.43% | 6.94% | 6.75% | 6.19% | 6.85% | +41 bps | |
| Net Interest Margin | 3.10% | 3.18% | 3.24% | 3.18% | 3.16% | 3.14% | 2.91% | 2.84% | -34 bps | |
| Efficiency Ratio | 71.67% | 75.80% | 74.24% | 73.73% | 74.03% | 74.31% | 71.89% | 72.46% | -127 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.77% | 6.13% | 4.72% | 5.92% | 7.50% | 8.24% | 16.13% | 15.41% | +949 bps | |
| Loan Growth (YoY) | 9.35% | 7.66% | 8.36% | 7.09% | 7.78% | 6.36% | 4.91% | 2.46% | -463 bps | |
| Share Growth (YoY) | 7.89% | 6.04% | 4.33% | 5.64% | 7.38% | 8.41% | 17.18% | 16.55% | +1,091 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.43% | 0.43% | 0.46% | 0.71% | 0.58% | 0.50% | 0.41% | 0.38% | -33 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 | 0.85% | 0.86% | 0.86% | 0.89% | 0.85% | 0.87% | 0.91% | 0.89% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.04% | 9.90% | 10.12% | 9.98% | 10.03% | 9.85% | 9.34% | 9.32% | -66 bps | |
| Net Worth / Assets | 10.04% | 9.90% | 10.12% | 9.98% | 10.03% | 9.85% | 9.34% | 9.32% | -66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.93% | 94.09% | 97.13% | 96.22% | 96.29% | 92.31% | 86.96% | 84.59% | -1,163 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |