Northfield, MN · Charter 60511
Q4 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1999, the quarter ended December 31, 1999, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Northfield, MN · Charter 60511
Q4 1999
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 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.51% | 5.14% | 4.71% | 4.72% | 0.85% | -366 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | 4.09% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 79.45% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 7.84% | -0.22% | 2.24% | 3.86% | -1.67% | -951 bps | |
| Loan Growth (YoY) | 22.34% | 15.64% | 9.86% | 8.09% | -2.61% | -2,496 bps | |
| Share Growth (YoY) | 6.82% | -2.17% | 0.49% | 1.99% | -3.66% | -1,048 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.83% | 0.30% | 0.25% | 0.20% | 1.92% | +109 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.45% | 0.44% | 0.35% | 0.35% | 0.37% | -7 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.68% | 82.99% | 82.57% | 83.13% | 80.55% | +87 bps | |
| Liquid Assets / Assets | 24.02% | 24.47% | 21.83% | 19.19% | 9.05% | -1,497 bps | |