Saint Paul, MN · Charter 5991
NCUA · 1 branch
Q2 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2021, the quarter ended June 30, 2021, 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.
Saint Paul, MN · Charter 5991
NCUA · 1 branch
Q2 2021
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.28% | 0.28% | 0.31% | -0.17% | 0.57% | +29 bps | |
| Return on Equity | 2.51% | 2.51% | 2.68% | -1.53% | 4.70% | +219 bps | |
| Net Interest Margin | 2.27% | 2.28% | 2.28% | 1.64% | 1.70% | -57 bps | |
| Efficiency Ratio | 87.54% | 87.71% | 84.24% | 110.41% | 77.41% | -1,013 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.42% | 10.64% | 9.50% | 6.10% | -3.52% | -794 bps | |
| Loan Growth (YoY) | -4.04% | -11.00% | -18.55% | -21.50% | -22.85% | -1,881 bps | |
| Share Growth (YoY) | 4.57% | 11.81% | 10.42% | 6.81% | -4.38% | -895 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.21% | 0.12% | 0.11% | 0.19% | 0.12% | -10 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.07% | 1.01% | 1.17% | 1.29% | 1.26% | +19 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.29% | 11.16% | 11.49% | 11.17% | 12.17% | +87 bps | |
| Net Worth / Assets | 11.29% | 11.16% | 11.49% | 11.17% | 12.17% | +87 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.74% | 65.86% | 63.44% | 56.07% | 56.27% | -1,347 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |