Golden Valley, MN · Charter 24354
NCUA · 15 branches
Q3 2020
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 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.36% | 1.27% | 1.26% | 1.53% | 1.83% | +46 bps | |
| Return on Equity | 12.28% | 11.72% | 11.46% | 14.58% | 16.89% | +461 bps | |
| Net Interest Margin | 3.11% | 3.00% | 2.91% | 2.72% | 2.69% | -42 bps | |
| Efficiency Ratio | 71.50% | 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 / Loans | 0.21% | 0.21% | 0.15% | 0.12% | 0.13% | -7 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.47% | 0.47% | 0.46% | 0.50% | 0.52% | +5 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.10% | 10.88% | 10.98% | 10.47% | 10.81% | -29 bps | |
| Net Worth / Assets | 11.10% | 10.88% | 10.98% | 10.47% | 10.81% | -29 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 94.46% | 92.02% | 90.09% | 83.82% | 85.09% | -938 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |