Sleepy Eye, MN · Charter 24662
Q3 2015
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.70% | 0.65% | 0.48% | 0.49% | 0.46% | -24 bps | |
| Return on Equity | 4.90% | 4.65% | 3.39% | 3.38% | 3.18% | -172 bps | |
| Net Interest Margin | 2.54% | 2.47% | 2.46% | 2.57% | 2.56% | +2 bps | |
| Efficiency Ratio | 79.29% | 80.00% | 86.40% | 85.89% | 86.49% | +721 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.35% | 11.13% | 7.78% | 6.89% | 3.13% | -622 bps | |
| Loan Growth (YoY) | 9.47% | 7.19% | 5.33% | 7.38% | 8.57% | -91 bps | |
| Share Growth (YoY) | 7.40% | 10.49% | 6.32% | 6.58% | 4.28% | -312 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.18% | 0.33% | 0.40% | 0.10% | 0.45% | +27 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.34% | 0.32% | 0.29% | 0.27% | 0.27% | -6 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.28% | 13.91% | 14.09% | 14.54% | 14.34% | +6 bps | |
| Net Worth / Assets | 14.28% | 13.91% | 14.09% | 14.54% | 14.34% | +6 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.37% | 83.44% | 83.39% | 89.28% | 89.92% | +355 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |