Minneapolis, MN · Charter 61726
NCUA · 3 branches
Q1 2021
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.48% | 0.19% | 0.29% | 1.90% | 1.24% | 1.06% | 1.11% | -7.27% | -916 bps | |
| Return on Equity | -5.71% | 2.13% | 3.23% | 20.52% | 13.88% | 12.30% | 12.30% | -103.91% | -12,443 bps | |
| Net Interest Margin | 5.74% | 5.86% | 5.85% | 6.10% | 5.23% | 4.73% | 4.74% | 4.48% | -163 bps | |
| Efficiency Ratio | 80.82% | 73.65% | 71.43% | 56.63% | 62.70% | 64.67% | 66.25% | 222% | +16,514 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.68% | -7.05% | -2.43% | -3.20% | 8.57% | 15.67% | 13.50% | 13.55% | +1,675 bps | |
| Loan Growth (YoY) | -9.41% | -9.65% | -7.70% | -5.01% | -8.21% | -4.25% | -1.85% | 0.25% | +526 bps | |
| Share Growth (YoY) | -8.54% | -8.01% | -2.95% | -4.74% | 7.85% | 16.01% | 13.44% | 16.70% | +2,144 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.08% | 2.37% | 2.56% | 3.49% | 2.37% | 2.02% | 2.11% | 2.07% | -141 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 | 1.71% | 1.77% | 1.84% | 1.78% | 1.84% | 1.74% | 1.66% | 1.59% | -19 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.49% | 8.87% | 8.99% | 9.25% | 8.93% | 8.59% | 9.03% | 6.99% | -225 bps | |
| Net Worth / Assets | 8.49% | 8.87% | 8.99% | 9.25% | 8.93% | 8.59% | 9.03% | 6.99% | -225 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 100.97% | 100.66% | 97.48% | 94.88% | 85.94% | 83.08% | 84.34% | 81.50% | -1,338 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |