Hopkins, MN · Charter 64246
NCUA · 2 branches
Q2 2017
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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.27% | 0.30% | 0.09% | 0.31% | 0.33% | 0.42% | 0.64% | -9.42% | -973 bps | |
| Return on Equity | 1.24% | 1.33% | 0.41% | 1.42% | 1.54% | 1.97% | 3.08% | -64.51% | -6,593 bps | |
| Net Interest Margin | 4.51% | 4.81% | 5.07% | 5.31% | 5.29% | 5.24% | 5.23% | 1.58% | -373 bps | |
| Efficiency Ratio | 88.66% | 88.39% | 90.27% | 86.72% | 88.28% | 86.89% | 86.84% | 298% | +21,173 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.22% | 4.03% | 6.44% | 5.82% | 3.78% | 8.34% | 7.39% | 14.30% | +848 bps | |
| Loan Growth (YoY) | 16.68% | 17.76% | 13.62% | 13.92% | 13.29% | 14.52% | 22.86% | 23.32% | +939 bps | |
| Share Growth (YoY) | 10.28% | 6.55% | 9.45% | 7.57% | 6.41% | 11.01% | 8.91% | 23.86% | +1,629 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.18% | 1.12% | 0.89% | 0.68% | 1.13% | 0.61% | 0.81% | 0.56% | -12 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 | 1.04% | 1.11% | 1.00% | 0.99% | 0.98% | 0.97% | 0.87% | 3.70% | +271 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.95% | 22.59% | 21.82% | 21.80% | 21.48% | 21.27% | 20.87% | 14.61% | -719 bps | |
| Net Worth / Assets | 21.95% | 22.59% | 21.82% | 21.80% | 21.48% | 21.27% | 20.87% | 14.61% | -719 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.46% | 96.66% | 92.55% | 101.29% | 101.64% | 99.72% | 104.40% | 100.85% | -44 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |