Collegeville, MN · Charter 63325
NCUA · 2 branches
Q1 2017
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.55% | 0.65% | 0.10% | -3.73% | -9.57% | -902 bps | |
| Return on Equity | -5.78% | 6.25% | 0.99% | -51.75% | -188.79% | -18,301 bps | |
| Net Interest Margin | 3.83% | 4.34% | 3.98% | 3.91% | 3.36% | -48 bps | |
| Efficiency Ratio | 112.21% | 86.34% | 96.28% | 137.29% | 192.76% | +8,055 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.38% | -4.22% | -3.94% | -7.18% | -11.17% | -880 bps | |
| Loan Growth (YoY) | -1.74% | -12.05% | -20.32% | -23.80% | -24.45% | -2,271 bps | |
| Share Growth (YoY) | -2.41% | -4.86% | -3.85% | -2.51% | -6.66% | -424 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.67% | 0.73% | 0.57% | 2.00% | 3.03% | +236 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.60% | 10.33% | 10.09% | 7.21% | 5.07% | -453 bps | |
| Net Worth / Assets | 9.60% | 10.33% | 10.09% | 7.21% | 5.07% | -453 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |