Coon Rapids, MN · Charter 60148
NCUA · 5 branches
Q2 2024
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 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.49% | 0.61% | 0.60% | 0.02% | 0.06% | -42 bps | |
| Return on Equity | 5.83% | 7.14% | 6.78% | 0.20% | 0.72% | -511 bps | |
| Net Interest Margin | 3.07% | 3.02% | 3.07% | 2.94% | 3.01% | -6 bps | |
| Efficiency Ratio | 85.96% | 83.82% | 84.34% | 93.67% | 94.07% | +811 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.45% | -4.26% | -5.12% | -3.19% | -0.11% | +234 bps | |
| Loan Growth (YoY) | 16.83% | 18.47% | 16.59% | 11.13% | 11.45% | -539 bps | |
| Share Growth (YoY) | -3.39% | -5.30% | -6.38% | -4.19% | -0.79% | +259 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.39% | 0.46% | 0.61% | 0.27% | 0.20% | -19 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.36% | 8.56% | 8.82% | 8.64% | 8.75% | +39 bps | |
| Net Worth / Assets | 8.36% | 8.56% | 8.82% | 8.64% | 8.75% | +39 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 58.13% | 61.22% | 64.05% | 61.95% | 65.31% | +717 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |