Minneapolis, MN · Charter 63458
NCUA · 3 branches
Q1 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2019, the quarter ended March 31, 2019, 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.
Minneapolis, MN · Charter 63458
NCUA · 3 branches
Q1 2019
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 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.40% | 0.28% | 0.24% | 0.42% | -0.39% | -0.29% | -0.28% | -12.51% | -1,293 bps | |
| Return on Equity | 5.08% | 3.56% | 3.06% | 5.55% | -5.09% | -3.78% | -3.51% | -240% | -24,602 bps | |
| Net Interest Margin | 3.17% | 3.18% | 3.14% | 3.14% | 3.34% | 3.34% | 3.50% | 2.76% | -38 bps | |
| Efficiency Ratio | 91.10% | 92.94% | 93.08% | 91.07% | 91.10% | 92.83% | 90.00% | 431% | +33,976 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.19% | -2.01% | 4.32% | 3.79% | 0.64% | 1.62% | -4.79% | -12.37% | -1,616 bps | |
| Loan Growth (YoY) | 0.89% | 0.37% | -1.45% | -1.04% | 1.16% | 1.56% | -1.22% | -3.64% | -260 bps | |
| Share Growth (YoY) | -0.60% | -2.60% | 4.43% | 3.84% | 0.70% | 1.20% | -4.89% | -9.93% | -1,377 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.01% | 1.77% | 1.63% | 1.84% | 1.95% | 0.98% | 0.20% | 0.37% | -147 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 | 0.53% | 0.43% | 0.49% | 0.38% | 0.91% | 0.51% | 0.78% | 0.83% | +45 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.91% | 7.90% | 7.78% | 7.66% | 7.70% | 7.59% | 7.89% | 5.20% | -246 bps | |
| Net Worth / Assets | 7.91% | 7.90% | 7.78% | 7.66% | 7.70% | 7.59% | 7.89% | 5.20% | -246 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.14% | 79.29% | 78.39% | 74.82% | 80.51% | 79.57% | 81.41% | 80.05% | +523 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |