St Paul, MN · Charter 24364
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 | -6.86% | -3.34% | -3.12% | -5.47% | 0.48% | +733 bps | |
| Return on Equity | -88.19% | -41.84% | -42.18% | -122.66% | 10.07% | +9,826 bps | |
| Net Interest Margin | 3.17% | 3.24% | 3.34% | 3.45% | 3.69% | +52 bps | |
| Efficiency Ratio | 144.14% | 98.59% | 106.79% | 108.20% | 91.46% | -5,268 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.75% | 7.88% | 7.73% | 4.10% | -7.30% | -1,504 bps | |
| Loan Growth (YoY) | -0.48% | -0.92% | 0.65% | -4.26% | -5.30% | -482 bps | |
| Share Growth (YoY) | 12.17% | 12.64% | 12.90% | 10.97% | -4.03% | -1,620 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.95% | 3.62% | 3.75% | 2.99% | 3.31% | +36 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.15% | 1.38% | 1.62% | 4.41% | 4.35% | +320 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.78% | 7.98% | 7.40% | 4.46% | 4.72% | -306 bps | |
| Net Worth / Assets | 7.78% | 7.98% | 7.40% | 4.46% | 4.72% | -306 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.13% | 71.78% | 73.32% | 70.08% | 69.20% | -93 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |