Grand Rapids, MN · Charter 24663
NCUA · 1 branch
Q2 2017
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 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.94% | -0.91% | -1.13% | -2.39% | -2.96% | -201 bps | |
| Return on Equity | -13.69% | -13.61% | -18.21% | -43.08% | -59.20% | -4,551 bps | |
| Net Interest Margin | 4.97% | 5.02% | 5.04% | 4.69% | 4.93% | -5 bps | |
| Efficiency Ratio | 83.40% | 84.96% | 87.70% | 83.08% | 90.77% | +736 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.08% | -1.31% | 0.69% | 2.89% | -3.63% | -771 bps | |
| Loan Growth (YoY) | 11.78% | 6.35% | 4.02% | -2.44% | -9.69% | -2,147 bps | |
| Share Growth (YoY) | 0.87% | -1.46% | 1.30% | 7.06% | 2.72% | +185 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.58% | 2.25% | 2.32% | 1.38% | 1.54% | -104 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.86% | 0.97% | 1.36% | 1.76% | 2.35% | +149 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.90% | 6.71% | 6.23% | 5.55% | 4.99% | -191 bps | |
| Net Worth / Assets | 6.90% | 6.71% | 6.23% | 5.55% | 4.99% | -191 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 93.42% | 92.84% | 90.25% | 81.75% | 82.13% | -1,129 bps | |
| Liquid Assets / Assets | 0.00% | 99.74% | 98.36% | 98.10% | 0.00% | 0 bps | |