Minneapolis, MN · Charter 24651
Q3 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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.08% | -1.08% | -0.72% | -0.99% | -1.90% | -83 bps | |
| Return on Equity | -4.38% | -4.87% | -3.22% | -4.30% | -8.16% | -378 bps | |
| Net Interest Margin | 5.43% | 4.92% | 4.95% | 4.72% | 4.49% | -94 bps | |
| Efficiency Ratio | 112.08% | 115.89% | 114.10% | 123.67% | 141.48% | +2,940 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -12.00% | -1.19% | -2.20% | 2.10% | -2.31% | +969 bps | |
| Loan Growth (YoY) | -8.96% | 5.47% | 0.40% | 8.74% | -1.75% | +721 bps | |
| Share Growth (YoY) | -13.09% | -0.18% | -1.28% | 4.61% | -0.77% | +1,233 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.29% | 0.00% | 0.00% | 0.26% | 2.45% | +16 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.71% | 0.68% | 0.70% | 0.71% | 0.67% | -4 bps | |
| Capital | |||||||
| Risk-Based Capital | 24.56% | 22.18% | 22.42% | 23.10% | 23.33% | -123 bps | |
| Net Worth / Assets | 24.56% | 22.18% | 22.42% | 23.10% | 23.33% | -123 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.19% | 82.35% | 82.60% | 88.83% | 88.31% | -89 bps | |
| Liquid Assets / Assets | 7.87% | 17.20% | 16.87% | 19.03% | 29.37% | +2,151 bps | |