Brooklyn Center, MN · Charter 24359
Q1 2010
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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.08% | -0.15% | -0.85% | -0.76% | 0.03% | +211 bps | |
| Return on Equity | -65.16% | -4.12% | -26.74% | -25.12% | 0.85% | +6,601 bps | |
| Net Interest Margin | 4.11% | 4.16% | 4.28% | 4.23% | 3.90% | -21 bps | |
| Efficiency Ratio | 68.88% | 67.46% | 71.08% | 65.98% | 70.76% | +189 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.74% | -6.24% | -5.39% | -1.05% | -0.20% | +754 bps | |
| Loan Growth (YoY) | -4.23% | -3.13% | -2.41% | -5.56% | -7.79% | -355 bps | |
| Share Growth (YoY) | -2.56% | -2.48% | -3.19% | 0.49% | 0.50% | +306 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.15% | 3.36% | 3.93% | 3.35% | 3.06% | -9 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.75% | 4.76% | 4.79% | 3.81% | 3.63% | -113 bps | |
| Capital | |||||||
| Risk-Based Capital | 3.20% | 3.67% | 3.18% | 3.01% | 2.99% | -21 bps | |
| Net Worth / Assets | 3.20% | 3.67% | 3.18% | 3.01% | 2.99% | -21 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 88.67% | 89.87% | 90.41% | 84.98% | 81.37% | -731 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |