Keewatin, MN · Charter 60360
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 | -0.53% | -0.27% | -1.99% | -0.71% | -0.20% | -0.31% | -0.67% | 0.39% | +110 bps | |
| Return on Equity | -2.28% | -1.18% | -8.99% | -3.32% | -0.98% | -1.54% | -3.88% | 2.27% | +559 bps | |
| Net Interest Margin | 4.00% | 4.12% | 3.87% | 3.89% | 3.55% | 3.54% | 2.61% | 2.70% | -119 bps | |
| Efficiency Ratio | 105.25% | 103.69% | 138.41% | 113.16% | 108.34% | 105.45% | 138.70% | 100.62% | -1,254 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.85% | -3.49% | 1.31% | 6.59% | 13.88% | 13.55% | 27.94% | 25.48% | +1,889 bps | |
| Loan Growth (YoY) | 11.88% | 11.06% | -1.17% | -0.33% | -6.64% | -10.77% | -13.13% | -16.16% | -1,583 bps | |
| Share Growth (YoY) | -1.17% | -4.52% | 2.42% | 8.67% | 18.10% | 18.56% | 35.94% | 32.13% | +2,346 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.13% | 1.97% | 1.70% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.35% | 0.34% | 0.51% | 0.62% | 0.43% | 0.45% | 0.44% | 0.13% | -49 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.13% | 23.25% | 22.17% | 21.41% | 20.27% | 20.16% | 17.28% | 17.28% | -413 bps | |
| Net Worth / Assets | 23.13% | 23.25% | 22.17% | 21.41% | 20.27% | 20.16% | 17.28% | 17.28% | -413 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.30% | 97.90% | 91.87% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |