Vadnais Heights, MN · Charter 63109
NCUA · 1 branch
Q4 2024
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.11% | 0.15% | 0.13% | -0.02% | 0.04% | -0.10% | -0.06% | -2.10% | -209 bps | |
| Return on Equity | 1.54% | 1.99% | 1.66% | -0.21% | 0.51% | -1.25% | -0.72% | -33.87% | -3,366 bps | |
| Net Interest Margin | 3.21% | 3.30% | 3.27% | 3.33% | 3.23% | 3.33% | 3.38% | 3.52% | +18 bps | |
| Efficiency Ratio | 84.51% | 87.21% | 88.13% | 90.81% | 91.20% | 90.51% | 91.00% | 133.48% | +4,266 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.08% | -4.42% | -6.81% | -9.55% | -8.34% | -5.35% | -5.62% | -5.91% | +365 bps | |
| Loan Growth (YoY) | -3.24% | -7.60% | -7.77% | -10.43% | -12.28% | -11.09% | -11.48% | -13.18% | -275 bps | |
| Share Growth (YoY) | -0.21% | -4.95% | -7.59% | -9.76% | -9.33% | -5.93% | -5.91% | -6.07% | +369 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.67% | 0.52% | 0.91% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.15% | 7.56% | 7.66% | 7.82% | 7.76% | 7.85% | 7.95% | 6.21% | -161 bps | |
| Net Worth / Assets | 7.15% | 7.56% | 7.66% | 7.82% | 7.76% | 7.85% | 7.95% | 6.21% | -161 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.38% | 52.19% | 51.23% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |