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Hiway

St. Paul, MN · Charter 24360

NCUA · 8 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

Hiway

St. Paul, MN · Charter 24360

NCUA · 8 branches

Q3 2020

$1.5BAssets
$901.7MLoans
$1.3BShares
$144.7MNet 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 0.60%, up 2 bps year over year; NIM at 2.15%.
  • Asset quality: problem loans at 0.30% of loans (-17 bps YoY).
  • Capital: net worth / assets of 9.97%, down 147 bps from a year ago.
  • Funding: loans stand at 69.44% of shares as of Q3 2020.

Financial Results

Return on Assets (YTD, annualized)

0.60%+2 bps YoY

Net Interest Margin (YTD, annualized)

2.15%-68 bps YoY

Efficiency Ratio (YTD, annualized)

80.02%+72 bps YoY

Net Worth / Assets

9.97%-147 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2019Q4 2019Q1 2020Q2 2020Q3 2020YoY ΔTrend
Earnings
Return on Assets0.58%0.52%0.93%0.61%0.60%+2 bps
Return on Equity5.10%4.68%8.65%6.01%6.06%+96 bps
Net Interest Margin2.84%2.73%2.48%2.24%2.15%-68 bps
Efficiency Ratio79.29%79.34%76.59%78.59%80.02%+72 bps
Growth
Asset Growth (YoY)6.77%11.38%13.49%20.90%21.25%+1,448 bps
Loan Growth (YoY)7.26%5.58%7.66%3.41%3.17%-409 bps
Share Growth (YoY)7.14%11.63%14.43%23.02%22.44%+1,530 bps
Asset Quality
Delinquent Loans / Loans0.47%0.60%0.42%0.30%0.30%-17 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.66%0.74%0.58%0.67%0.58%-8 bps
Capital
Risk-Based Capital11.44%11.16%10.75%10.16%9.97%-147 bps
Net Worth / Assets11.44%11.16%10.75%10.16%9.97%-147 bps
Liquidity & Funding
Loans / Shares82.42%77.96%73.77%69.02%69.44%-1,298 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps