St Cloud, MN · Charter 24664
NCUA · 3 branches
Q2 2019
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 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.08% | 0.06% | 0.21% | 0.16% | 0.25% | 0.08% | -0.47% | -2.75% | -291 bps | |
| Return on Equity | 0.50% | 0.35% | 1.39% | 0.99% | 1.49% | 0.45% | -2.95% | -18.13% | -1,912 bps | |
| Net Interest Margin | 3.10% | 3.10% | 2.92% | 3.12% | 3.23% | 3.32% | 3.23% | 2.41% | -71 bps | |
| Efficiency Ratio | 91.83% | 92.99% | 93.01% | 94.48% | 92.44% | 95.67% | 113.54% | 197.39% | +10,291 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.95% | 1.77% | 2.90% | 1.55% | -0.70% | -2.90% | -2.97% | -3.21% | -475 bps | |
| Loan Growth (YoY) | -3.40% | 9.24% | 5.31% | 16.42% | 19.66% | 11.80% | 10.79% | 3.51% | -1,290 bps | |
| Share Growth (YoY) | -2.38% | 1.84% | 3.18% | -1.01% | -1.97% | -9.37% | -3.35% | -0.52% | +49 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.03% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.31% | 0.32% | 0.33% | 0.33% | 0.34% | 0.44% | 0.36% | 0.36% | +3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.21% | 16.18% | 15.48% | 16.03% | 16.50% | 16.74% | 15.86% | 15.18% | -85 bps | |
| Net Worth / Assets | 16.21% | 16.18% | 15.48% | 16.03% | 16.50% | 16.74% | 15.86% | 15.18% | -85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.96% | 59.63% | 56.23% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |