Minot, ND · Charter 3660
NCUA · 1 branch
Q4 2021
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.53% | 0.48% | 0.49% | 0.45% | 0.47% | 0.50% | 0.47% | 0.42% | -3 bps | |
| Return on Equity | 5.88% | 5.61% | 5.69% | 5.43% | 5.79% | 6.13% | 5.63% | 5.23% | -21 bps | |
| Net Interest Margin | 2.64% | 2.41% | 2.38% | 2.30% | 2.14% | 2.16% | 2.18% | 2.10% | -20 bps | |
| Efficiency Ratio | 83.86% | 83.55% | 82.36% | 82.59% | 82.99% | 82.10% | 83.57% | 86.63% | +404 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.36% | 12.06% | 16.18% | 15.96% | 19.78% | 11.80% | 9.70% | 9.78% | -618 bps | |
| Loan Growth (YoY) | 7.81% | 2.07% | 9.51% | 10.99% | 11.85% | 20.50% | 16.89% | 11.01% | +2 bps | |
| Share Growth (YoY) | 5.25% | 12.82% | 17.31% | 17.01% | 21.19% | 12.36% | 10.08% | 10.17% | -683 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.56% | 0.57% | 0.68% | 1.10% | 0.41% | 0.39% | 0.35% | 0.02% | -108 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 | 1.26% | 1.24% | 1.20% | 1.18% | 1.20% | 1.13% | 1.07% | 0.89% | -29 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.10% | 8.63% | 8.57% | 8.34% | 8.03% | 8.18% | 8.25% | 8.02% | -32 bps | |
| Net Worth / Assets | 9.10% | 8.63% | 8.57% | 8.34% | 8.03% | 8.18% | 8.25% | 8.02% | -32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.03% | 42.60% | 45.59% | 44.26% | 42.48% | 45.68% | 48.41% | 44.60% | +34 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |