PackageTrendsPeer
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St. Francis Campus Employees

Little Falls, MN · Charter 63927

Q4 2013

$50.6MAssets
$33.8MLoans
$44.5MShares
$5.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.95%, up 9 bps year over year; NIM at 1.77%.
  • Asset quality: problem loans at 0.29% of loans (-4 bps YoY).
  • Capital: net worth / assets of 10.84%, up 54 bps from a year ago.
  • Funding: loans stand at 75.99% of shares as of Q4 2013.

Financial Results

Return on Assets (quarter, annualized)

0.95%+9 bps YoY

Net Interest Margin (quarter, annualized)

1.77%+4 bps YoY

Efficiency Ratio (quarter, annualized)

52.04%-57 bps YoY

Net Worth / Assets

10.84%+54 bps YoY

Discrete quarter, annualized.

MetricQ4 2012Q1 2013Q2 2013Q3 2013Q4 2013YoY ΔTrend
Earnings
Return on Assets0.86%0.94%0.97%1.02%0.95%+9 bps
Return on Equity8.37%9.05%9.08%9.45%8.79%+42 bps
Net Interest Margin1.73%1.76%1.76%1.85%1.77%+4 bps
Efficiency Ratio52.61%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 / Loans0.33%0.25%0.29%0.28%0.29%-4 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.18%0.17%0.17%0.16%0.16%-1 bps
Capital
Risk-Based Capital10.30%10.43%10.72%10.82%10.84%+54 bps
Net Worth / Assets10.30%10.43%10.72%10.82%10.84%+54 bps
Liquidity & Funding
Loans / Shares71.64%71.53%74.40%75.32%75.99%+435 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps