St James, MN · Charter 24650
NCUA · 2 branches
Q1 2017
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.23% | -0.08% | 0.04% | 0.10% | 0.26% | 0.30% | 0.24% | -0.11% | -21 bps | |
| Return on Equity | -1.95% | -0.61% | 0.34% | 0.77% | 1.92% | 2.02% | 1.59% | -0.67% | -143 bps | |
| Net Interest Margin | 2.16% | 2.32% | 2.25% | 2.18% | 2.24% | 2.56% | 2.69% | 2.92% | +74 bps | |
| Efficiency Ratio | 110.22% | 103.21% | 98.21% | 95.77% | 89.55% | 89.11% | 91.40% | 103.53% | +776 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.37% | -11.10% | -5.89% | -10.55% | -9.69% | -11.93% | -16.37% | -15.46% | -491 bps | |
| Loan Growth (YoY) | -14.92% | -14.23% | -17.24% | 2.58% | 18.44% | 36.78% | 55.54% | 31.42% | +2,883 bps | |
| Share Growth (YoY) | -8.46% | -12.60% | -6.83% | -12.22% | -11.34% | -13.94% | -18.88% | -17.96% | -575 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 1.08% | 0.00% | 0.00% | 0.00% | 0 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 | 2.19% | 2.27% | 2.50% | 2.30% | 2.02% | 1.87% | 1.85% | 2.00% | -30 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.77% | 12.71% | 12.62% | 13.35% | 13.34% | 14.77% | 15.34% | 15.99% | +264 bps | |
| Net Worth / Assets | 11.77% | 12.71% | 12.62% | 13.35% | 13.34% | 14.77% | 15.34% | 15.99% | +264 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.51% | 39.42% | 35.60% | 42.77% | 50.11% | 62.65% | 68.25% | 68.52% | +2,575 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |