Duluth, MN · Charter 5023
NCUA · 3 branches
Q2 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2017, the quarter ended June 30, 2017, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Duluth, MN · Charter 5023
NCUA · 3 branches
Q2 2017
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 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.61% | 0.50% | 0.73% | 0.34% | 0.87% | 0.82% | 0.73% | 0.68% | +34 bps | |
| Return on Equity | 5.84% | 4.99% | 7.09% | 3.28% | 8.33% | 7.82% | 6.96% | 6.41% | +313 bps | |
| Net Interest Margin | 3.43% | 3.35% | 3.51% | 3.65% | 3.59% | 3.62% | 3.70% | 3.74% | +8 bps | |
| Efficiency Ratio | 84.38% | 84.40% | 86.62% | 87.99% | 79.73% | 79.13% | 83.35% | 81.76% | -623 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.44% | 10.12% | 6.67% | 3.99% | 7.30% | 4.06% | 6.81% | 7.63% | +363 bps | |
| Loan Growth (YoY) | 7.09% | 6.02% | 7.26% | 10.72% | 9.69% | 9.39% | 11.01% | 9.39% | -133 bps | |
| Share Growth (YoY) | 7.47% | 9.56% | 6.66% | 3.65% | 7.22% | 4.86% | 6.50% | 7.18% | +353 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.13% | 1.10% | 0.79% | 0.61% | 1.03% | 0.98% | 0.98% | 1.06% | +45 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 | 1.40% | 1.48% | 1.30% | 1.33% | 1.34% | 1.36% | 1.33% | 1.28% | -5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.40% | 10.08% | 10.29% | 10.37% | 10.41% | 10.51% | 10.44% | 10.63% | +25 bps | |
| Net Worth / Assets | 10.40% | 10.08% | 10.29% | 10.37% | 10.41% | 10.51% | 10.44% | 10.63% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.06% | 72.88% | 73.27% | 77.30% | 75.76% | 76.03% | 76.38% | 78.90% | +160 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |