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St. James Public Schools

St James, MN · Charter 24650

NCUA · 2 branches

Q1 2017

$2.1MAssets
$1.2MLoans
$1.8MShares
$335KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.11%, down 21 bps year over year; NIM at 2.92%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 15.99%, up 264 bps from a year ago.
  • Funding: loans stand at 68.52% of shares as of Q1 2017.

Financial Results

Return on Assets (quarter, annualized)

-0.11%-21 bps YoY

Net Interest Margin (quarter, annualized)

2.92%+74 bps YoY

Efficiency Ratio (quarter, annualized)

103.53%+776 bps YoY

Net Worth / Assets

15.99%+264 bps YoY

Discrete quarter, annualized.

MetricQ1 2016Q2 2016Q3 2016Q4 2016Q1 2017YoY ΔTrend
Earnings
Return on Assets0.10%0.26%0.30%0.24%-0.11%-21 bps
Return on Equity0.77%1.92%2.02%1.59%-0.67%-143 bps
Net Interest Margin2.18%2.24%2.56%2.69%2.92%+74 bps
Efficiency Ratio95.77%89.55%89.11%91.40%103.53%+776 bps
Growth
Asset Growth (YoY)-10.55%-9.69%-11.93%-16.37%-15.46%-491 bps
Loan Growth (YoY)2.58%18.44%36.78%55.54%31.42%+2,883 bps
Share Growth (YoY)-12.22%-11.34%-13.94%-18.88%-17.96%-575 bps
Asset Quality
Delinquent Loans / Loans0.00%1.08%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.30%2.02%1.87%1.85%2.00%-30 bps
Capital
Risk-Based Capital13.35%13.34%14.77%15.34%15.99%+264 bps
Net Worth / Assets13.35%13.34%14.77%15.34%15.99%+264 bps
Liquidity & Funding
Loans / Shares42.77%50.11%62.65%68.25%68.52%+2,575 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps