Vadnais Heights, MN · Charter 63109
NCUA · 1 branch
Q4 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2024, the quarter ended December 31, 2024, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,721 to 1,724). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
1
Asset Quality
36
Profitability
16
Liquidity
22
Efficiency
2
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Vadnais Heights, MN · Charter 63109
NCUA · 1 branch
Q4 2024
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.02% | 0.04% | -0.10% | -0.06% | -2.10% | -209 bps | |
| Return on Equity | -0.21% | 0.51% | -1.25% | -0.72% | -33.87% | -3,366 bps | |
| Net Interest Margin | 3.33% | 3.23% | 3.33% | 3.38% | 3.52% | +18 bps | |
| Efficiency Ratio | 90.81% | 91.20% | 90.51% | 91.00% | 133.48% | +4,266 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.55% | -8.34% | -5.35% | -5.62% | -5.91% | +365 bps | |
| Loan Growth (YoY) | -10.43% | -12.28% | -11.09% | -11.48% | -13.18% | -275 bps | |
| Share Growth (YoY) | -9.76% | -9.33% | -5.93% | -5.91% | -6.07% | +369 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.80% | 1.01% | 0.76% | 1.01% | 0.98% | +17 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.82% | 7.76% | 7.85% | 7.95% | 6.21% | -161 bps | |
| Net Worth / Assets | 7.82% | 7.76% | 7.85% | 7.95% | 6.21% | -161 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.39% | 49.71% | 49.32% | 48.20% | 48.42% | -396 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Vadnais Heights, MN · Charter 63109 · Peer group: credit unions under $1B in assets (n=1,721-1,724)
NCUA · 1 branch
Q4 2024
Return on Assets
-2.10%
Rank 1,689 of 1,724
Net Interest Margin
3.52%
Rank 937 of 1,723
Efficiency Ratio
133.40%
Rank 1,689 of 1,721
Equity / Assets
6.21%
Rank 1,710 of 1,723
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.10% | 0.25% | 0.67% | 1.13% | Beats 2% | 1,689 / 1,724 | |
| Return on Equity | -33.87% | 1.95% | 5.34% | 8.54% | Beats 1% | 1,708 / 1,723 | |
| Net Interest Margin | 3.52% | 3.03% | 3.61% | 4.27% | Beats 46% | 937 / 1,723 | |
| Efficiency Ratio | 133.40% | 69.84% | 78.36% | 87.50% | Beats 2% | 1,689 / 1,721 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.98% | 0.28% | 0.70% | 1.38% | Beats 36% | 1,095 / 1,721 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 6.21% | 10.16% | 12.41% | 16.03% | Beats 1% | 1,711 / 1,724 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 6.21% | 10.15% | 12.41% | 16.03% | Beats 1% | 1,710 / 1,723 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 48.42% | 55.95% | 72.66% | 85.34% | 17th pctl | 1,432 / 1,722 | |
| Loans / Assets | 44.24% | 47.91% | 62.00% | 72.82% | 21st pctl | 1,366 / 1,723 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||