Keewatin, MN · Charter 60360
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 | -0.71% | -0.20% | -0.31% | -0.67% | 0.39% | +110 bps | |
| Return on Equity | -3.32% | -0.98% | -1.54% | -3.88% | 2.27% | +559 bps | |
| Net Interest Margin | 3.89% | 3.55% | 3.54% | 2.61% | 2.70% | -119 bps | |
| Efficiency Ratio | 113.16% | 108.34% | 105.45% | 138.70% | 100.62% | -1,254 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.59% | 13.88% | 13.55% | 27.94% | 25.48% | +1,889 bps | |
| Loan Growth (YoY) | -0.33% | -6.64% | -10.77% | -13.13% | -16.16% | -1,583 bps | |
| Share Growth (YoY) | 8.67% | 18.10% | 18.56% | 35.94% | 32.13% | +2,346 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.35% | 3.52% | 3.33% | 2.99% | 1.99% | +64 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.62% | 0.43% | 0.45% | 0.44% | 0.13% | -49 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.41% | 20.27% | 20.16% | 17.28% | 17.28% | -413 bps | |
| Net Worth / Assets | 21.41% | 20.27% | 20.16% | 17.28% | 17.28% | -413 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.09% | 77.71% | 73.69% | 58.71% | 55.26% | -3,183 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |