Thief River F, MN · Charter 64331
NCUA · 1 branch
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 | 0.02% | -0.02% | -0.50% | -0.13% | -0.04% | -0.06% | 0.10% | 0.03% | +16 bps | |
| Return on Equity | 0.15% | -0.17% | -4.28% | -1.15% | -0.31% | -0.52% | 0.91% | 0.23% | +138 bps | |
| Net Interest Margin | 3.14% | 3.19% | 3.03% | 3.07% | 3.09% | 3.02% | 3.04% | 3.24% | +17 bps | |
| Efficiency Ratio | 99.41% | 100.64% | 116.40% | 104.35% | 101.13% | 101.91% | 96.79% | 99.19% | -516 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.85% | -0.61% | -0.45% | 1.05% | 5.46% | 6.90% | 8.84% | -0.15% | -120 bps | |
| Loan Growth (YoY) | 8.50% | 4.21% | 6.24% | 9.74% | 9.67% | 4.92% | 2.89% | 1.84% | -789 bps | |
| Share Growth (YoY) | -14.32% | -0.81% | -0.44% | 1.13% | 6.04% | 8.04% | 10.04% | 0.08% | -105 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.50% | 0.42% | 0.34% | 0.08% | 0.00% | 0.00% | 0.00% | 0.00% | -8 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 | 1.61% | 1.57% | 1.49% | 1.47% | 1.47% | 1.50% | 1.45% | 1.44% | -3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.05% | 12.00% | 11.67% | 11.71% | 11.36% | 11.17% | 10.80% | 11.75% | +4 bps | |
| Net Worth / Assets | 12.05% | 12.00% | 11.67% | 11.71% | 11.36% | 11.17% | 10.80% | 11.75% | +4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.63% | 65.06% | 67.01% | 68.13% | 65.81% | 63.18% | 62.66% | 69.33% | +120 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |