Crookston, MN · Charter 24522
NCUA · 2 branches
Q1 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2018, the quarter ended March 31, 2018, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Crookston, MN · Charter 24522
NCUA · 2 branches
Q1 2018
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 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.22% | 0.17% | 0.03% | 0.07% | 0.13% | -9 bps | |
| Return on Equity | 2.74% | 2.10% | 0.35% | 0.94% | 1.68% | -106 bps | |
| Net Interest Margin | 2.53% | 2.54% | 2.64% | 2.51% | 2.64% | +12 bps | |
| Efficiency Ratio | 93.82% | 95.21% | 94.57% | 94.30% | 96.09% | +227 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.71% | 6.20% | 1.86% | 2.95% | 2.57% | -14 bps | |
| Loan Growth (YoY) | -1.38% | -0.23% | 0.33% | 3.82% | 3.21% | +459 bps | |
| Share Growth (YoY) | 2.76% | 6.54% | 1.94% | 2.99% | 2.66% | -10 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.53% | 0.37% | 0.24% | 0.79% | 3.79% | +326 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.68% | 0.46% | 0.64% | 0.55% | 0.56% | -11 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.90% | 8.08% | 8.11% | 7.71% | 7.76% | -15 bps | |
| Net Worth / Assets | 7.90% | 8.08% | 8.11% | 7.71% | 7.76% | -15 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.20% | 55.06% | 57.78% | 53.43% | 52.48% | +28 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |