Collegeville, MN · Charter 63325
NCUA · 2 branches
Q1 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2017, the quarter ended March 31, 2017, 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.
Collegeville, MN · Charter 63325
NCUA · 2 branches
Q1 2017
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 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.22% | 0.20% | 0.16% | -0.55% | 0.65% | 0.10% | -3.73% | -9.57% | -902 bps | |
| Return on Equity | 2.30% | 2.01% | 1.59% | -5.78% | 6.25% | 0.99% | -51.75% | -188.79% | -18,301 bps | |
| Net Interest Margin | 3.98% | 3.98% | 4.09% | 3.83% | 4.34% | 3.98% | 3.91% | 3.36% | -48 bps | |
| Efficiency Ratio | 94.38% | 95.16% | 96.26% | 112.21% | 86.34% | 96.28% | 137.29% | 192.76% | +8,055 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.02% | -0.26% | -1.02% | -2.38% | -4.22% | -3.94% | -7.18% | -11.17% | -880 bps | |
| Loan Growth (YoY) | 6.14% | 5.76% | 5.65% | -1.74% | -12.05% | -20.32% | -23.80% | -24.45% | -2,271 bps | |
| Share Growth (YoY) | -1.49% | -0.79% | -3.15% | -2.41% | -4.86% | -3.85% | -2.51% | -6.66% | -424 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.92% | 2.13% | 5.77% | 7.28% | 4.19% | 6.36% | 2.35% | 1.25% | -603 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 | 0.64% | 0.62% | 0.63% | 0.67% | 0.73% | 0.57% | 2.00% | 3.03% | +236 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.75% | 9.80% | 9.93% | 9.60% | 10.33% | 10.09% | 7.21% | 5.07% | -453 bps | |
| Net Worth / Assets | 9.75% | 9.80% | 9.93% | 9.60% | 10.33% | 10.09% | 7.21% | 5.07% | -453 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.38% | 83.71% | 86.31% | 78.35% | 74.30% | 69.37% | 67.46% | 63.42% | -1,493 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |