St Louis Park, MN · Charter 60998
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, 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.
St Louis Park, MN · Charter 60998
Q1 2013
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 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.20% | -1.35% | -1.39% | -1.67% | -8.12% | -692 bps | |
| Return on Equity | -8.53% | -10.26% | -10.66% | -13.20% | -75.84% | -6,731 bps | |
| Net Interest Margin | 2.52% | 2.29% | 2.40% | 2.43% | 2.24% | -28 bps | |
| Efficiency Ratio | 145.04% | 141.90% | 146.30% | 149.76% | 369% | +22,358 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.24% | 3.98% | 2.83% | 2.89% | -0.60% | -36 bps | |
| Loan Growth (YoY) | 3.67% | 3.33% | 2.70% | 2.57% | -1.74% | -541 bps | |
| Share Growth (YoY) | 1.99% | 6.28% | 4.81% | 5.43% | 1.87% | -12 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.71% | 2.70% | 5.27% | 2.74% | 2.84% | +12 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.27% | 2.74% | 2.64% | 2.41% | 3.79% | +152 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.05% | 13.18% | 13.00% | 12.69% | 10.70% | -335 bps | |
| Net Worth / Assets | 14.05% | 13.18% | 13.00% | 12.69% | 10.70% | -335 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 40.64% | 39.18% | 40.53% | 40.68% | 39.20% | -144 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |