Saint Paul, MN · Charter 5991
NCUA · 1 branch
Q2 2021
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.61% | 0.47% | 0.86% | 0.28% | 0.28% | 0.31% | -0.17% | 0.57% | +29 bps | |
| Return on Equity | 5.01% | 3.83% | 7.33% | 2.51% | 2.51% | 2.68% | -1.53% | 4.70% | +219 bps | |
| Net Interest Margin | 2.89% | 2.79% | 2.83% | 2.27% | 2.28% | 2.28% | 1.64% | 1.70% | -57 bps | |
| Efficiency Ratio | 75.35% | 76.47% | 69.46% | 87.54% | 87.71% | 84.24% | 110.41% | 77.41% | -1,013 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.00% | -7.87% | -2.97% | 4.42% | 10.64% | 9.50% | 6.10% | -3.52% | -794 bps | |
| Loan Growth (YoY) | 14.13% | 12.56% | 3.00% | -4.04% | -11.00% | -18.55% | -21.50% | -22.85% | -1,881 bps | |
| Share Growth (YoY) | -12.76% | -9.30% | -3.77% | 4.57% | 11.81% | 10.42% | 6.81% | -4.38% | -895 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.51% | 0.36% | 0.69% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.85% | 1.02% | 1.02% | 1.07% | 1.01% | 1.17% | 1.29% | 1.26% | +19 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.10% | 12.24% | 11.80% | 11.29% | 11.16% | 11.49% | 11.17% | 12.17% | +87 bps | |
| Net Worth / Assets | 12.10% | 12.24% | 11.80% | 11.29% | 11.16% | 11.49% | 11.17% | 12.17% | +87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.74% | 86.00% | 76.29% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |