Hibbing, MN · Charter 64325
NCUA · 1 branch
Q4 2018
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 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.03% | 0.03% | 0.02% | 0.01% | -7.60% | -763 bps | |
| Return on Equity | 0.16% | 0.17% | 0.09% | 0.07% | -59.33% | -5,949 bps | |
| Net Interest Margin | 2.27% | 2.36% | 2.50% | 2.53% | -2.30% | -457 bps | |
| Efficiency Ratio | 98.13% | 98.64% | 99.33% | 99.47% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 0.68% | -4.74% | -7.32% | -6.84% | -6.31% | -700 bps | |
| Loan Growth (YoY) | -10.99% | -13.40% | -1.93% | 3.67% | 11.71% | +2,270 bps | |
| Share Growth (YoY) | 0.78% | -5.90% | -9.22% | -8.50% | -1.02% | -180 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.08% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.25% | 0.26% | 0.25% | 0.23% | 0.23% | -3 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.13% | 19.57% | 20.71% | 20.73% | 12.82% | -631 bps | |
| Net Worth / Assets | 19.13% | 19.57% | 20.71% | 20.73% | 12.82% | -631 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 30.79% | 30.65% | 35.21% | 37.76% | 34.75% | +396 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |