Hopkins, MN · Charter 62477
Q2 2004
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 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.76% | 0.37% | 0.42% | -0.17% | 0.52% | -24 bps | |
| Return on Equity | 3.73% | 1.77% | 1.98% | -0.81% | 3.88% | +15 bps | |
| Net Interest Margin | 3.99% | 3.75% | 3.73% | 3.54% | 3.27% | -72 bps | |
| Efficiency Ratio | 81.06% | 90.12% | 88.82% | 104.69% | 84.12% | +306 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -16.97% | -14.11% | -10.13% | -8.84% | -6.23% | +1,074 bps | |
| Loan Growth (YoY) | -20.75% | -19.83% | -17.66% | -35.39% | -43.96% | -2,321 bps | |
| Share Growth (YoY) | -20.72% | -17.46% | -12.19% | -10.77% | 2.05% | +2,277 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.22% | 5.90% | 6.09% | 0.19% | 15.59% | +1,437 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.06% | 1.21% | 1.35% | 2.40% | 3.04% | +97 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.27% | 20.93% | 21.08% | 21.07% | 13.38% | -689 bps | |
| Net Worth / Assets | 20.27% | 20.93% | 21.08% | 21.07% | 13.38% | -689 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 44.29% | 45.44% | 41.92% | 33.40% | 24.32% | -1,997 bps | |
| Liquid Assets / Assets | 46.59% | 44.52% | 38.32% | 36.76% | 23.95% | -2,264 bps | |