Wadena, MN · Charter 6040
NCUA · 1 branch
Q1 2022
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.73% | 0.76% | 0.42% | 0.63% | 0.36% | 0.40% | 0.23% | -0.01% | -64 bps | |
| Return on Equity | 2.80% | 2.91% | 1.67% | 2.64% | 1.50% | 1.69% | 0.99% | -0.05% | -268 bps | |
| Net Interest Margin | 2.71% | 2.71% | 2.52% | 2.32% | 2.24% | 2.16% | 2.12% | 1.99% | -32 bps | |
| Efficiency Ratio | 74.19% | 73.28% | 84.25% | 73.90% | 84.50% | 82.39% | 89.66% | 100.51% | +2,662 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.88% | 6.54% | 9.16% | 16.33% | 9.59% | 12.29% | 9.10% | 2.77% | -1,356 bps | |
| Loan Growth (YoY) | 0.16% | 3.21% | 8.19% | -0.01% | -3.61% | -10.57% | -12.33% | -6.27% | -626 bps | |
| Share Growth (YoY) | 3.08% | 8.10% | 11.90% | 21.84% | 12.63% | 16.39% | 11.83% | 3.53% | -1,831 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.33% | 2.25% | 2.55% | 1.04% | 1.26% | 2.09% | 1.11% | 3.57% | +252 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 | 4.21% | 4.07% | 4.25% | 4.40% | 4.61% | 4.80% | 4.84% | 4.70% | +30 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 26.11% | 26.14% | 25.04% | 23.73% | 24.07% | 23.45% | 23.18% | 23.16% | -57 bps | |
| Net Worth / Assets | 26.11% | 26.14% | 25.04% | 23.73% | 24.07% | 23.45% | 23.18% | 23.16% | -57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 28.68% | 29.48% | 28.31% | 25.25% | 24.55% | 22.65% | 22.19% | 22.86% | -239 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |