St Cloud, MN · Charter 24664
NCUA · 3 branches
Q2 2019
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 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.16% | 0.25% | 0.08% | -0.47% | -2.75% | -291 bps | |
| Return on Equity | 0.99% | 1.49% | 0.45% | -2.95% | -18.13% | -1,912 bps | |
| Net Interest Margin | 3.12% | 3.23% | 3.32% | 3.23% | 2.41% | -71 bps | |
| Efficiency Ratio | 94.48% | 92.44% | 95.67% | 113.54% | 197.39% | +10,291 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.55% | -0.70% | -2.90% | -2.97% | -3.21% | -475 bps | |
| Loan Growth (YoY) | 16.42% | 19.66% | 11.80% | 10.79% | 3.51% | -1,290 bps | |
| Share Growth (YoY) | -1.01% | -1.97% | -9.37% | -3.35% | -0.52% | +49 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.15% | 0.98% | 0.15% | 0.31% | +31 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.33% | 0.34% | 0.44% | 0.36% | 0.36% | +3 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.03% | 16.50% | 16.74% | 15.86% | 15.18% | -85 bps | |
| Net Worth / Assets | 16.03% | 16.50% | 16.74% | 15.86% | 15.18% | -85 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.41% | 65.86% | 73.56% | 64.46% | 67.02% | +261 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |