North Mankato, MN · Charter 60259
NCUA · 2 branches
Q4 2017
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.60% | 0.38% | 0.87% | 0.00% | -0.12% | 0.00% | 0.29% | 0.18% | +18 bps | |
| Return on Equity | 4.08% | 2.57% | 5.41% | 0.00% | -0.80% | 0.00% | 1.95% | 1.20% | +120 bps | |
| Net Interest Margin | 1.31% | 1.20% | 1.77% | 1.14% | 1.17% | 1.12% | 1.21% | 1.18% | +4 bps | |
| Efficiency Ratio | 54.74% | 68.53% | 45.47% | 91.00% | 110.36% | 82.64% | 58.69% | 71.17% | -1,983 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.67% | -1.78% | -7.59% | -4.89% | -5.26% | -5.05% | 4.67% | 3.80% | +869 bps | |
| Loan Growth (YoY) | 9.65% | -2.21% | -9.62% | -4.28% | -3.31% | -4.77% | -13.51% | -15.49% | -1,121 bps | |
| Share Growth (YoY) | -4.54% | -2.05% | -9.46% | -6.15% | -6.39% | -6.17% | 6.18% | 5.13% | +1,128 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.13% | 0.24% | 0.00% | 0.00% | 0.00% | 1.27% | 0.00% | 0.06% | +6 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 | 1.23% | 1.35% | 1.21% | 1.24% | 1.25% | 1.21% | 1.21% | 1.21% | -3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.82% | 14.91% | 16.16% | 15.53% | 15.45% | 15.50% | 15.04% | 15.16% | -37 bps | |
| Net Worth / Assets | 14.82% | 14.91% | 16.16% | 15.53% | 15.45% | 15.50% | 15.04% | 15.16% | -37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.79% | 55.53% | 62.45% | 63.82% | 62.79% | 56.36% | 50.87% | 51.30% | -1,251 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |