St Paul, MN · Charter 63543
NCUA · 1 branch
Q4 2016
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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.00% | 5.01% | 4.91% | 4.58% | 0.61% | 0.36% | -2.29% | -22.20% | -2,678 bps | |
| Return on Equity | 24.21% | 23.30% | 21.07% | 18.89% | 2.53% | 1.48% | -7.84% | -96.44% | -11,533 bps | |
| Net Interest Margin | 5.42% | 6.13% | 6.26% | 5.90% | 4.75% | 4.65% | 5.55% | 4.26% | -164 bps | |
| Efficiency Ratio | 38.36% | 37.57% | 40.01% | 30.70% | 88.84% | 89.72% | 103.06% | 197.14% | +16,644 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.66% | 21.96% | -1.73% | -1.25% | -2.62% | -5.83% | -23.50% | -34.73% | -3,349 bps | |
| Loan Growth (YoY) | 4.76% | 3.90% | -6.95% | -11.97% | -18.93% | -23.95% | -25.18% | -32.86% | -2,089 bps | |
| Share Growth (YoY) | 21.00% | 11.14% | -16.91% | -14.45% | -13.59% | -7.42% | -27.49% | -26.59% | -1,214 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.21% | 0.07% | 1.55% | 4.07% | 2.34% | 4.58% | 5.62% | 2.70% | -137 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 | 1.79% | 2.25% | 2.40% | 3.64% | 3.20% | 3.23% | 4.77% | 24.41% | +2,077 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.65% | 21.52% | 23.32% | 24.26% | 24.20% | 24.55% | 29.25% | 23.02% | -124 bps | |
| Net Worth / Assets | 20.65% | 21.52% | 23.32% | 24.26% | 24.20% | 24.55% | 29.25% | 23.02% | -124 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.46% | 102.72% | 103.20% | 95.85% | 88.62% | 84.38% | 106.50% | 87.67% | -819 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |