Lake City, MN · Charter 60264
NCUA · 1 branch
Q2 2021
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.05% | 0.06% | -0.48% | -0.32% | -0.48% | -0.66% | -1.14% | -2.23% | -191 bps | |
| Return on Equity | 0.51% | 0.61% | -5.14% | -3.47% | -5.92% | -8.21% | -14.83% | -33.57% | -3,010 bps | |
| Net Interest Margin | 4.44% | 4.53% | 4.30% | 4.14% | 3.67% | 3.58% | 2.98% | 2.95% | -120 bps | |
| Efficiency Ratio | 107.63% | 108.33% | 110.82% | 109.44% | 111.88% | 115.86% | 135.50% | 162.98% | +5,354 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.18% | -7.15% | -2.71% | 1.49% | 10.95% | 12.16% | 10.29% | 11.39% | +991 bps | |
| Loan Growth (YoY) | 2.52% | -0.51% | -2.29% | -6.28% | -13.91% | -9.31% | -1.35% | -1.38% | +490 bps | |
| Share Growth (YoY) | -2.52% | -7.96% | -3.04% | 1.60% | 12.63% | 14.39% | 12.46% | 14.68% | +1,308 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.11% | 0.30% | 0.78% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.76% | 0.60% | 0.56% | 0.50% | 0.41% | 0.23% | 0.23% | 0.24% | -27 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.45% | 9.72% | 9.36% | 9.20% | 8.17% | 8.01% | 7.66% | 6.65% | -255 bps | |
| Net Worth / Assets | 9.45% | 9.72% | 9.36% | 9.20% | 8.17% | 8.01% | 7.66% | 6.65% | -255 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.93% | 74.35% | 69.86% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |