Owatonna, MN · Charter 60221
NCUA · 1 branch
Q2 2022
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 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.35% | -0.19% | -1.14% | -0.18% | -0.35% | -0.87% | 0.06% | -1.79% | -162 bps | |
| Return on Equity | -1.07% | -0.60% | -3.88% | -0.55% | -1.07% | -2.60% | 0.18% | -5.13% | -458 bps | |
| Net Interest Margin | 3.60% | 3.44% | 2.85% | 3.78% | 3.60% | 3.13% | 2.02% | 1.97% | -181 bps | |
| Efficiency Ratio | 96.64% | 95.57% | 140.14% | 100.07% | 96.64% | 127.79% | 97.29% | 152.63% | +5,256 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.17% | 8.75% | 11.61% | 0.00% | 0.00% | -8.78% | -14.23% | -13.22% | -1,322 bps | |
| Loan Growth (YoY) | -7.49% | -11.63% | -9.45% | 0.00% | 0.00% | -22.21% | -34.38% | -46.99% | -4,699 bps | |
| Share Growth (YoY) | 8.12% | 13.66% | 17.93% | 0.00% | 0.00% | -11.63% | -19.51% | -16.95% | -1,695 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.61% | 0.56% | 0.27% | 0.69% | 0.61% | 0.97% | 2.32% | 2.70% | +201 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 | 0.97% | 0.93% | 0.97% | 0.95% | 0.97% | 1.31% | 1.59% | 2.70% | +175 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 32.19% | 31.28% | 29.44% | 32.03% | 32.19% | 33.42% | 33.80% | 34.96% | +293 bps | |
| Net Worth / Assets | 32.19% | 31.28% | 29.44% | 32.03% | 32.19% | 33.42% | 33.80% | 34.96% | +293 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.71% | 94.37% | 85.68% | 100.93% | 93.71% | 83.08% | 69.85% | 64.41% | -3,651 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |