Little Falls, MN · Charter 63927
Q4 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2013, the quarter ended December 31, 2013, 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.
Little Falls, MN · Charter 63927
Q4 2013
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.86% | 0.94% | 0.97% | 1.02% | 0.95% | +9 bps | |
| Return on Equity | 8.37% | 9.05% | 9.08% | 9.45% | 8.79% | +42 bps | |
| Net Interest Margin | 1.73% | 1.76% | 1.76% | 1.85% | 1.77% | +4 bps | |
| Efficiency Ratio | 52.61% | 51.78% | 50.77% | 50.68% | 52.04% | -57 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 16.87% | 8.79% | 4.88% | 5.69% | 4.14% | -1,274 bps | |
| Loan Growth (YoY) | 8.63% | 9.12% | 9.07% | 10.54% | 8.54% | -9 bps | |
| Share Growth (YoY) | 18.06% | 8.84% | 4.43% | 5.25% | 2.33% | -1,573 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.33% | 0.25% | 0.29% | 0.28% | 0.29% | -4 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.18% | 0.17% | 0.17% | 0.16% | 0.16% | -1 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.30% | 10.43% | 10.72% | 10.82% | 10.84% | +54 bps | |
| Net Worth / Assets | 10.30% | 10.43% | 10.72% | 10.82% | 10.84% | +54 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.64% | 71.53% | 74.40% | 75.32% | 75.99% | +435 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |