Babbitt, MN · Charter 60227
NCUA
Q1 2016
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 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.13% | -0.07% | -0.20% | -0.42% | -0.56% | -0.47% | -0.36% | -0.41% | +1 bps | |
| Return on Equity | 0.86% | -0.44% | -1.31% | -2.81% | -3.70% | -3.17% | -2.48% | -3.17% | -36 bps | |
| Net Interest Margin | 2.30% | 2.25% | 2.32% | 2.34% | 2.16% | 2.18% | 2.20% | 0.44% | -191 bps | |
| Efficiency Ratio | 114.39% | 118.24% | 114.45% | 114.98% | 120.59% | 117.29% | 115.66% | 163.75% | +4,877 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.19% | 0.07% | 0.30% | -0.20% | 0.49% | -0.49% | 2.76% | 1.97% | +217 bps | |
| Loan Growth (YoY) | 0.64% | 5.71% | 7.09% | 10.09% | 6.98% | 5.79% | 11.68% | 10.93% | +84 bps | |
| Share Growth (YoY) | 2.45% | 0.10% | 0.59% | 0.21% | 1.25% | 0.03% | 3.73% | 4.48% | +426 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.54% | 1.17% | 0.73% | 0.61% | 0.44% | 0.62% | 0.17% | 0.31% | -30 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 | 1.79% | 1.57% | 2.31% | 2.31% | 2.24% | 2.77% | 2.36% | 2.40% | +9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.62% | 15.33% | 15.45% | 15.11% | 15.00% | 14.91% | 14.67% | 13.03% | -208 bps | |
| Net Worth / Assets | 15.62% | 15.33% | 15.45% | 15.11% | 15.00% | 14.91% | 14.67% | 13.03% | -208 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 20.25% | 20.60% | 21.24% | 20.83% | 21.40% | 21.79% | 22.87% | 22.12% | +129 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |