Thief River Fal, MN · Charter 62670
NCUA · 1 branch
Q3 2018
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.58% | 0.09% | 0.15% | 0.43% | 0.17% | 0.38% | 0.35% | 0.18% | -24 bps | |
| Return on Equity | 4.57% | 0.71% | 1.17% | 3.35% | 1.35% | 3.09% | 2.73% | 1.42% | -194 bps | |
| Net Interest Margin | 3.42% | 3.10% | 3.17% | 2.93% | 3.04% | 3.05% | 3.05% | 3.10% | +16 bps | |
| Efficiency Ratio | 91.62% | 97.92% | 96.56% | 94.77% | 99.87% | 90.31% | 91.35% | 100.96% | +619 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.29% | -1.39% | 1.65% | 11.90% | 11.48% | 12.98% | 11.98% | -1.84% | -1,374 bps | |
| Loan Growth (YoY) | -9.80% | -10.89% | -8.36% | 6.59% | 6.11% | 2.96% | -0.14% | -13.13% | -1,972 bps | |
| Share Growth (YoY) | -7.74% | -2.08% | 1.59% | 11.73% | 11.39% | 12.97% | 11.73% | -2.08% | -1,381 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.57% | 0.13% | 0.08% | 0.29% | 0.34% | 1.09% | 1.87% | 1.98% | +169 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 | 2.82% | 2.66% | 2.72% | 2.45% | 2.21% | 2.46% | 2.42% | 1.74% | -71 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.64% | 12.39% | 12.70% | 12.70% | 12.73% | 12.39% | 12.84% | 12.92% | +22 bps | |
| Net Worth / Assets | 12.64% | 12.39% | 12.70% | 12.70% | 12.73% | 12.39% | 12.84% | 12.92% | +22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.38% | 53.56% | 55.20% | 56.02% | 54.66% | 48.81% | 49.34% | 49.70% | -632 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |