St. Paul, MN · Charter 62914
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, 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. Paul, MN · Charter 62914
Q2 2007
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 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.47% | 0.50% | 0.51% | 0.22% | 0.43% | -4 bps | |
| Return on Equity | 3.43% | 3.48% | 3.57% | 1.52% | 2.88% | -56 bps | |
| Net Interest Margin | 4.46% | 4.63% | 4.54% | 4.49% | 4.78% | +32 bps | |
| Efficiency Ratio | 89.39% | 87.90% | 87.50% | 91.25% | 87.37% | -202 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.24% | -0.96% | 0.99% | 0.75% | -4.85% | -709 bps | |
| Loan Growth (YoY) | 0.75% | -3.38% | -2.45% | -4.23% | -1.90% | -265 bps | |
| Share Growth (YoY) | 1.83% | -1.95% | 0.45% | 0.39% | -6.20% | -803 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.14% | 0.18% | 0.04% | 0.49% | 0.85% | +71 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.22% | 0.28% | 0.21% | 0.30% | 0.38% | +16 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.71% | 14.29% | 14.18% | 14.10% | 14.93% | +121 bps | |
| Net Worth / Assets | 13.71% | 14.29% | 14.18% | 14.10% | 14.93% | +121 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 93.08% | 96.19% | 96.43% | 92.50% | 97.35% | +427 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |