Montevideo, MN · Charter 63974
Q1 2011
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 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.28% | 0.06% | 0.03% | -0.43% | -0.43% | -71 bps | |
| Return on Equity | 2.02% | 0.47% | 0.22% | -3.80% | -3.73% | -575 bps | |
| Net Interest Margin | 3.43% | 3.70% | 2.66% | 2.75% | 2.76% | -66 bps | |
| Efficiency Ratio | 78.56% | 73.78% | 98.97% | 103.04% | 115.69% | +3,714 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.50% | 14.00% | 22.48% | 21.81% | 12.69% | +519 bps | |
| Loan Growth (YoY) | -13.00% | -11.20% | -6.44% | -0.46% | -18.42% | -542 bps | |
| Share Growth (YoY) | 10.60% | 16.43% | 26.64% | 26.40% | 17.47% | +687 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.84% | 6.35% | 8.55% | 8.05% | 9.35% | +151 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.28% | 4.66% | 4.85% | 3.59% | 2.83% | -146 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.88% | 13.38% | 12.34% | 11.35% | 11.63% | -225 bps | |
| Net Worth / Assets | 13.88% | 13.38% | 12.34% | 11.35% | 11.63% | -225 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.60% | 59.09% | 51.94% | 49.31% | 43.47% | -1,913 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |