Brooklyn Center, MN · Charter 24656
NCUA · 1 branch
Q3 2019
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.42% | 0.39% | 0.51% | 0.72% | 0.82% | 0.78% | 1.05% | 1.07% | +35 bps | |
| Return on Equity | 2.38% | 2.29% | 2.94% | 4.18% | 4.61% | 4.40% | 5.72% | 5.98% | +180 bps | |
| Net Interest Margin | 2.02% | 2.08% | 2.16% | 2.17% | 2.27% | 2.45% | 2.55% | 2.50% | +32 bps | |
| Efficiency Ratio | 83.85% | 85.18% | 81.42% | 74.68% | 72.41% | 74.26% | 67.08% | 65.53% | -915 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.97% | 2.76% | 3.91% | 3.55% | 3.11% | 1.42% | 0.88% | 2.33% | -121 bps | |
| Loan Growth (YoY) | 1.86% | 4.71% | 7.36% | 11.31% | 14.90% | 14.23% | 14.04% | 9.27% | -204 bps | |
| Share Growth (YoY) | 5.16% | 2.69% | 3.94% | 2.89% | 2.50% | 0.78% | -0.12% | 1.78% | -111 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.14% | 0.07% | 0.04% | 0.06% | 0.06% | 0.11% | 0.11% | 0.14% | +9 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 | 0.69% | 0.63% | 0.64% | 0.60% | 0.56% | 0.53% | 0.51% | 0.48% | -13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.48% | 17.02% | 17.33% | 17.24% | 17.77% | 17.69% | 18.27% | 17.91% | +67 bps | |
| Net Worth / Assets | 17.48% | 17.02% | 17.33% | 17.24% | 17.77% | 17.69% | 18.27% | 17.91% | +67 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 42.35% | 41.49% | 44.43% | 45.72% | 47.47% | 47.03% | 50.73% | 49.09% | +337 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |