St Paul, MN · Charter 24633
Q2 2004
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.31% | 3.75% | 4.49% | -2.98% | -2.74% | -305 bps | |
| Return on Equity | 9.12% | 58.23% | 39.04% | -25.44% | -24.46% | -3,358 bps | |
| Net Interest Margin | 0.81% | 0.83% | 1.42% | 1.38% | 1.23% | +41 bps | |
| Efficiency Ratio | 82.15% | 32.36% | 39.13% | 401% | 362% | +27,978 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 20.61% | 12.72% | -41.54% | -40.91% | -52.35% | -7,296 bps | |
| Loan Growth (YoY) | -27.23% | -30.30% | 303% | 215% | 371% | +39,858 bps | |
| Share Growth (YoY) | 21.66% | 10.06% | -46.61% | -45.65% | -56.20% | -7,786 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 7.80% | 0.00% | 24.31% | +2,431 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.00% | 1.00% | 18.84% | 19.77% | 18.39% | +1,739 bps | |
| Capital | |||||||
| Risk-Based Capital | 3.42% | 6.44% | 11.50% | 11.71% | 11.21% | +779 bps | |
| Net Worth / Assets | 3.42% | 6.44% | 11.50% | 11.71% | 11.21% | +779 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 0.53% | 0.52% | 5.50% | 5.28% | 5.71% | +518 bps | |
| Liquid Assets / Assets | 98.35% | 93.33% | 91.15% | 92.44% | 93.05% | -529 bps | |