Lake City, MN · Charter 60264
NCUA · 1 branch
Q2 2021
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 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.32% | -0.48% | -0.66% | -1.14% | -2.23% | -191 bps | |
| Return on Equity | -3.47% | -5.92% | -8.21% | -14.83% | -33.57% | -3,010 bps | |
| Net Interest Margin | 4.14% | 3.67% | 3.58% | 2.98% | 2.95% | -120 bps | |
| Efficiency Ratio | 109.44% | 111.88% | 115.86% | 135.50% | 162.98% | +5,354 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.49% | 10.95% | 12.16% | 10.29% | 11.39% | +991 bps | |
| Loan Growth (YoY) | -6.28% | -13.91% | -9.31% | -1.35% | -1.38% | +490 bps | |
| Share Growth (YoY) | 1.60% | 12.63% | 14.39% | 12.46% | 14.68% | +1,308 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.11% | 0.79% | 0.04% | 0.00% | 0.32% | -79 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.50% | 0.41% | 0.23% | 0.23% | 0.24% | -27 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.20% | 8.17% | 8.01% | 7.66% | 6.65% | -255 bps | |
| Net Worth / Assets | 9.20% | 8.17% | 8.01% | 7.66% | 6.65% | -255 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.97% | 56.51% | 58.95% | 61.28% | 59.31% | -966 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |