Minneapolis, MN · Charter 60381
Q3 2011
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 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.33% | 0.11% | -0.21% | -0.07% | -0.22% | -55 bps | |
| Return on Equity | 1.97% | 0.66% | -1.25% | -0.40% | -1.35% | -332 bps | |
| Net Interest Margin | 2.57% | 2.49% | 2.49% | 2.48% | 2.49% | -8 bps | |
| Efficiency Ratio | 87.67% | 90.05% | 101.60% | 98.89% | 103.62% | +1,595 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.16% | 0.27% | -4.38% | -1.38% | -1.43% | -127 bps | |
| Loan Growth (YoY) | -6.62% | -5.31% | -2.40% | -1.77% | 5.19% | +1,181 bps | |
| Share Growth (YoY) | -0.12% | 0.21% | -5.46% | -2.39% | -2.13% | -201 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.14% | 0.13% | 0.33% | 0.32% | 0.22% | +8 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.15% | 1.23% | 1.37% | 1.37% | 1.28% | +14 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.53% | 16.23% | 17.09% | 16.58% | 16.62% | +9 bps | |
| Net Worth / Assets | 16.53% | 16.23% | 17.09% | 16.58% | 16.62% | +9 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 38.78% | 38.25% | 41.07% | 40.71% | 41.68% | +290 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |