St. Paul, MN · Charter 24360
NCUA · 8 branches
Q3 2020
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 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | 0.47% | 0.60% | 0.58% | 0.52% | 0.93% | 0.61% | 0.60% | +2 bps | |
| Return on Equity | 6.02% | 4.09% | 5.19% | 5.10% | 4.68% | 8.65% | 6.01% | 6.06% | +96 bps | |
| Net Interest Margin | 2.91% | 2.93% | 2.91% | 2.84% | 2.73% | 2.48% | 2.24% | 2.15% | -68 bps | |
| Efficiency Ratio | 76.36% | 81.34% | 79.03% | 79.29% | 79.34% | 76.59% | 78.59% | 80.02% | +72 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.62% | 2.01% | 3.48% | 6.77% | 11.38% | 13.49% | 20.90% | 21.25% | +1,448 bps | |
| Loan Growth (YoY) | 7.29% | 4.58% | 5.12% | 7.26% | 5.58% | 7.66% | 3.41% | 3.17% | -409 bps | |
| Share Growth (YoY) | 0.84% | 2.03% | 2.83% | 7.14% | 11.63% | 14.43% | 23.02% | 22.44% | +1,530 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.32% | 0.24% | 0.43% | 0.47% | 0.60% | 0.42% | 0.30% | 0.30% | -17 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.63% | 0.70% | 0.67% | 0.66% | 0.74% | 0.58% | 0.67% | 0.58% | -8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.85% | 11.49% | 11.66% | 11.44% | 11.16% | 10.75% | 10.16% | 9.97% | -147 bps | |
| Net Worth / Assets | 11.85% | 11.49% | 11.66% | 11.44% | 11.16% | 10.75% | 10.16% | 9.97% | -147 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.43% | 78.41% | 82.10% | 82.42% | 77.96% | 73.77% | 69.02% | 69.44% | -1,298 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |