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St. Pascal Parish

St. Paul, MN · Charter 62496

Q1 2014

$383KAssets
$180KLoans
$306KShares
$75KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.88%, up 42 bps year over year; NIM at 3.30%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 19.68%, up 288 bps from a year ago.
  • Funding: loans stand at 58.82% of shares as of Q1 2014.

Financial Results

Return on Assets (quarter, annualized)

-0.88%+42 bps YoY

Net Interest Margin (quarter, annualized)

3.30%+29 bps YoY

Efficiency Ratio (quarter, annualized)

121.83%-2,136 bps YoY

Net Worth / Assets

19.68%+288 bps YoY

Discrete quarter, annualized.

MetricQ1 2013Q2 2013Q3 2013Q4 2013Q1 2014YoY ΔTrend
Earnings
Return on Assets-1.30%-1.11%-1.30%-1.42%-0.88%+42 bps
Return on Equity-7.74%-6.58%-7.52%-7.65%-4.46%+328 bps
Net Interest Margin3.01%2.76%2.68%2.90%3.30%+29 bps
Efficiency Ratio143.20%133.42%141.90%141.87%121.83%-2,136 bps
Growth
Asset Growth (YoY)5.43%-2.45%-11.62%-14.96%-20.44%-2,587 bps
Loan Growth (YoY)55.61%21.62%-28.69%-43.20%-41.11%-9,672 bps
Share Growth (YoY)8.51%-1.31%-12.21%-17.01%-23.52%-3,203 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.22%1.37%1.73%2.34%2.49%+127 bps
Capital
Risk-Based Capital16.79%16.95%17.27%18.51%19.68%+288 bps
Net Worth / Assets16.79%16.95%17.27%18.51%19.68%+288 bps
Liquidity & Funding
Loans / Shares76.39%74.25%64.14%55.67%58.82%-1,757 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps