PackageTrendsPeer
Letter portraitLegal landscape

Teacher

Golden Valley, MN · Charter 24354

NCUA · 15 branches

Q3 2020

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2020, the quarter ended September 30, 2020, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Teacher

Golden Valley, MN · Charter 24354

NCUA · 15 branches

Q3 2020

$1.8BAssets
$1.3BLoans
$1.5BShares
$193.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.83%, up 46 bps year over year; NIM at 2.69%.
  • Asset quality: problem loans at 0.13% of loans (-7 bps YoY).
  • Capital: net worth / assets of 10.81%, down 29 bps from a year ago.
  • Funding: loans stand at 85.09% of shares as of Q3 2020.

Financial Results

Return on Assets (YTD, annualized)

1.83%+46 bps YoY

Net Interest Margin (YTD, annualized)

2.69%-42 bps YoY

Efficiency Ratio (YTD, annualized)

60.56%-1,094 bps YoY

Net Worth / Assets

10.81%-29 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2019Q4 2019Q1 2020Q2 2020Q3 2020YoY ΔTrend
Earnings
Return on Assets1.36%1.27%1.26%1.53%1.83%+46 bps
Return on Equity12.28%11.72%11.46%14.58%16.89%+461 bps
Net Interest Margin3.11%3.00%2.91%2.72%2.69%-42 bps
Efficiency Ratio71.50%71.59%69.68%63.85%60.56%-1,094 bps
Growth
Asset Growth (YoY)8.61%11.80%14.09%21.69%20.95%+1,234 bps
Loan Growth (YoY)13.43%11.75%16.80%14.56%13.79%+35 bps
Share Growth (YoY)8.70%14.94%14.74%26.76%26.33%+1,763 bps
Asset Quality
Delinquent Loans / Loans0.21%0.21%0.15%0.12%0.13%-7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.47%0.47%0.46%0.50%0.52%+5 bps
Capital
Risk-Based Capital11.10%10.88%10.98%10.47%10.81%-29 bps
Net Worth / Assets11.10%10.88%10.98%10.47%10.81%-29 bps
Liquidity & Funding
Loans / Shares94.46%92.02%90.09%83.82%85.09%-938 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps