Brooklyn Center, MN · Charter 24568
NCUA · 5 branches
Q2 2022
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 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.79% | 0.75% | 0.48% | 0.48% | 0.68% | 0.85% | 0.67% | 0.78% | +30 bps | |
| Return on Equity | 8.11% | 8.03% | 5.46% | 5.41% | 7.61% | 9.40% | 7.53% | 8.53% | +313 bps | |
| Net Interest Margin | 2.66% | 2.55% | 2.41% | 2.44% | 2.40% | 2.39% | 2.45% | 2.66% | +21 bps | |
| Efficiency Ratio | 76.49% | 76.51% | 83.73% | 83.90% | 80.62% | 78.61% | 86.97% | 82.59% | -131 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.22% | 22.13% | 24.88% | 18.53% | 17.83% | 13.35% | 10.84% | 10.04% | -849 bps | |
| Loan Growth (YoY) | 5.98% | 5.62% | 10.31% | 19.35% | 17.46% | 17.54% | 16.54% | 22.92% | +357 bps | |
| Share Growth (YoY) | 20.92% | 29.85% | 30.94% | 19.71% | 18.92% | 14.13% | 11.79% | 10.41% | -929 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.15% | 0.15% | 0.16% | 0.17% | 0.14% | 0.17% | 0.20% | 0.24% | +7 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 | 0.70% | 0.79% | 0.82% | 0.83% | 0.79% | 0.69% | 0.57% | 0.48% | -35 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.78% | 9.32% | 8.87% | 8.97% | 8.95% | 9.08% | 8.88% | 9.15% | +17 bps | |
| Net Worth / Assets | 9.78% | 9.32% | 8.87% | 8.97% | 8.95% | 9.08% | 8.88% | 9.15% | +17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.38% | 78.51% | 77.14% | 81.57% | 81.37% | 80.86% | 80.42% | 90.82% | +925 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |