Minneapolis, MN · Charter 24352
Q4 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2001, the quarter ended December 31, 2001, 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.
Minneapolis, MN · Charter 24352
Q4 2001
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 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.14% | 0.65% | 0.91% | 0.64% | 0.73% | -40 bps | |
| Return on Equity | n/a | n/a | 9.52% | 6.76% | 8.73% | n/a | |
| Net Interest Margin | 4.81% | 4.47% | 4.42% | 3.87% | 3.16% | -165 bps | |
| Efficiency Ratio | 74.79% | 82.53% | 79.24% | 85.88% | 87.64% | +1,285 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.64% | 5.36% | 6.36% | 12.93% | 27.86% | +2,322 bps | |
| Loan Growth (YoY) | 6.76% | 11.38% | 5.94% | -2.47% | -9.15% | -1,592 bps | |
| Share Growth (YoY) | 2.37% | 4.57% | 4.54% | 12.37% | 28.45% | +2,608 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.65% | 0.42% | 0.52% | 0.52% | 0.70% | +5 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.42% | 1.38% | 1.30% | 1.32% | 0.82% | -60 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 9.51% | 9.54% | 8.38% | n/a | |
| Net Worth / Assets | n/a | n/a | 9.51% | 9.54% | 8.38% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.53% | 90.34% | 90.33% | 81.49% | 61.90% | -2,562 bps | |
| Liquid Assets / Assets | 7.62% | 8.62% | 14.83% | 21.23% | 29.70% | +2,208 bps | |