Crookston, MN · Charter 24522
NCUA · 2 branches
Q1 2018
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 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.04% | 0.24% | 0.13% | 0.22% | 0.17% | 0.03% | 0.07% | 0.13% | -9 bps | |
| Return on Equity | 0.52% | 2.95% | 1.65% | 2.74% | 2.10% | 0.35% | 0.94% | 1.68% | -106 bps | |
| Net Interest Margin | 2.66% | 2.64% | 2.55% | 2.53% | 2.54% | 2.64% | 2.51% | 2.64% | +12 bps | |
| Efficiency Ratio | 98.81% | 93.36% | 93.89% | 93.82% | 95.21% | 94.57% | 94.30% | 96.09% | +227 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.32% | 1.39% | 2.05% | 2.71% | 6.20% | 1.86% | 2.95% | 2.57% | -14 bps | |
| Loan Growth (YoY) | -0.18% | 0.87% | -0.49% | -1.38% | -0.23% | 0.33% | 3.82% | 3.21% | +459 bps | |
| Share Growth (YoY) | 1.30% | 1.79% | 2.13% | 2.76% | 6.54% | 1.94% | 2.99% | 2.66% | -10 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.43% | 0.41% | 0.35% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.67% | 0.63% | 0.66% | 0.68% | 0.46% | 0.64% | 0.55% | 0.56% | -11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.38% | 8.28% | 7.87% | 7.90% | 8.08% | 8.11% | 7.71% | 7.76% | -15 bps | |
| Net Worth / Assets | 8.38% | 8.28% | 7.87% | 7.90% | 8.08% | 8.11% | 7.71% | 7.76% | -15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.79% | 58.71% | 53.00% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |