Floodwood, MN · Charter 60556
NCUA · 1 branch
Q1 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2018, the quarter ended March 31, 2018, 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.
Floodwood, MN · Charter 60556
NCUA · 1 branch
Q1 2018
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 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.01% | 0.09% | 0.05% | 0.32% | 0.35% | 0.31% | 0.29% | -15.97% | -1,629 bps | |
| Return on Equity | -0.05% | 0.56% | 0.32% | 2.04% | 2.21% | 1.98% | 1.78% | -123.06% | -12,510 bps | |
| Net Interest Margin | 2.44% | 2.52% | 2.58% | 2.56% | 2.59% | 2.63% | 2.69% | 2.88% | +32 bps | |
| Efficiency Ratio | 93.92% | 92.77% | 91.59% | 88.93% | 88.07% | 89.18% | 90.35% | 594% | +50,501 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.52% | 2.88% | -1.09% | -0.88% | -2.30% | -0.14% | -0.82% | -5.66% | -478 bps | |
| Loan Growth (YoY) | -8.85% | -8.63% | -3.77% | -4.73% | -2.30% | -2.07% | -2.44% | 0.51% | +523 bps | |
| Share Growth (YoY) | 7.22% | 3.42% | -0.88% | -1.46% | -2.93% | -0.36% | -1.83% | -0.40% | +106 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.88% | 3.35% | 3.21% | 4.43% | 4.02% | 1.24% | 1.21% | 1.17% | -326 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 | 2.38% | 2.38% | 2.56% | 2.63% | 2.59% | 2.66% | 2.60% | 2.61% | -2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.30% | 15.69% | 15.82% | 15.81% | 15.89% | 15.93% | 16.25% | 12.98% | -283 bps | |
| Net Worth / Assets | 15.30% | 15.69% | 15.82% | 15.81% | 15.89% | 15.93% | 16.25% | 12.98% | -283 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.05% | 57.07% | 58.31% | 56.69% | 57.42% | 56.09% | 57.95% | 57.21% | +52 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |