Coon Rapids, MN · Charter 60148
NCUA · 5 branches
Q2 2024
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.52% | 0.52% | 0.43% | 0.49% | 0.61% | 0.60% | 0.02% | 0.06% | -42 bps | |
| Return on Equity | 6.88% | 6.72% | 5.43% | 5.83% | 7.14% | 6.78% | 0.20% | 0.72% | -511 bps | |
| Net Interest Margin | 2.24% | 2.41% | 3.00% | 3.07% | 3.02% | 3.07% | 2.94% | 3.01% | -6 bps | |
| Efficiency Ratio | 84.07% | 83.10% | 86.91% | 85.96% | 83.82% | 84.34% | 93.67% | 94.07% | +811 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.47% | 5.53% | 3.10% | -2.45% | -4.26% | -5.12% | -3.19% | -0.11% | +234 bps | |
| Loan Growth (YoY) | 11.87% | 14.65% | 15.49% | 16.83% | 18.47% | 16.59% | 11.13% | 11.45% | -539 bps | |
| Share Growth (YoY) | 9.75% | 5.45% | 2.80% | -3.39% | -5.30% | -6.38% | -4.19% | -0.79% | +259 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.08% | 0.09% | 0.41% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.46% | 0.50% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.63% | 7.80% | 7.90% | 8.36% | 8.56% | 8.82% | 8.64% | 8.75% | +39 bps | |
| Net Worth / Assets | 7.63% | 7.80% | 7.90% | 8.36% | 8.56% | 8.82% | 8.64% | 8.75% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.94% | 51.43% | 53.41% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |