Columbia Height, MN · Charter 64287
NCUA · 3 branches
Q3 2022
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 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.96% | 1.62% | 1.91% | 2.01% | 1.74% | 1.50% | 1.60% | -0.29% | -230 bps | |
| Return on Equity | 11.47% | 19.84% | 22.56% | 22.72% | 19.44% | 16.58% | 16.74% | -3.43% | -2,615 bps | |
| Net Interest Margin | 3.84% | 3.74% | 3.68% | 3.71% | 3.69% | 3.79% | 3.89% | 3.85% | +14 bps | |
| Efficiency Ratio | 66.40% | 61.52% | 61.76% | 60.01% | 63.41% | 69.00% | 67.72% | 102.03% | +4,203 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.23% | 19.86% | 14.40% | 15.42% | 16.16% | 10.46% | 6.18% | 6.34% | -909 bps | |
| Loan Growth (YoY) | 19.51% | 18.51% | 14.23% | 5.65% | 11.54% | 13.42% | 11.13% | 18.03% | +1,238 bps | |
| Share Growth (YoY) | 14.62% | 20.51% | 14.62% | 14.84% | 10.85% | 6.91% | 3.15% | -3.07% | -1,791 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.57% | 0.34% | 0.29% | 0.16% | 0.25% | 0.22% | 0.17% | 0.15% | -1 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 | 0.85% | 0.80% | 0.68% | 0.78% | 0.78% | 0.75% | 0.74% | 0.72% | -6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.37% | 8.14% | 8.47% | 8.85% | 8.94% | 9.07% | 9.58% | 8.39% | -46 bps | |
| Net Worth / Assets | 8.37% | 8.14% | 8.47% | 8.85% | 8.94% | 9.07% | 9.58% | 8.39% | -46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.53% | 92.41% | 91.95% | 90.00% | 99.15% | 98.03% | 99.05% | 109.59% | +1,959 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |