Minneapolis, MN · Charter 24689
Q3 2012
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 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.03% | -1.50% | -0.33% | 0.26% | 0.34% | -68 bps | |
| Return on Equity | 34.22% | -115.73% | -26.98% | 17.91% | 21.06% | -1,316 bps | |
| Net Interest Margin | 3.07% | 3.25% | 3.46% | 3.71% | 3.91% | +84 bps | |
| Efficiency Ratio | 52.01% | 56.22% | 52.37% | 49.61% | 53.92% | +192 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 23.82% | -7.01% | -5.08% | -7.50% | -12.86% | -3,668 bps | |
| Loan Growth (YoY) | 29.69% | -1.04% | -1.99% | -1.25% | -7.14% | -3,683 bps | |
| Share Growth (YoY) | 24.51% | -5.25% | -2.60% | -5.19% | -11.41% | -3,592 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.90% | 1.30% | 1.30% | 0.04% | 0.00% | -690 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.23% | 1.34% | 1.93% | 2.18% | 1.96% | +73 bps | |
| Capital | |||||||
| Risk-Based Capital | 3.00% | 1.30% | 1.23% | 1.48% | 1.63% | -137 bps | |
| Net Worth / Assets | 3.00% | 1.30% | 1.23% | 1.48% | 1.63% | -137 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.71% | 88.12% | 88.90% | 93.11% | 91.93% | +422 bps | |
| Liquid Assets / Assets | 95.76% | 0.00% | 0.00% | 0.00% | 0.00% | -9,576 bps | |