Fergus Falls, MN · Charter 64343
NCUA · 1 branch
Q2 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2021, the quarter ended June 30, 2021, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Fergus Falls, MN · Charter 64343
NCUA · 1 branch
Q2 2021
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 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.31% | 0.30% | 0.22% | 0.23% | 0.20% | 0.11% | 0.42% | 0.00% | -23 bps | |
| Return on Equity | 3.12% | 2.85% | 2.14% | 2.32% | 2.05% | 1.13% | 4.71% | 0.02% | -230 bps | |
| Net Interest Margin | 2.56% | 2.72% | 2.57% | 2.42% | 2.31% | 2.19% | 1.44% | 1.48% | -94 bps | |
| Efficiency Ratio | 87.51% | 88.63% | 91.64% | 90.75% | 91.62% | 95.19% | 80.45% | 99.91% | +916 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.91% | -11.19% | -7.58% | 3.18% | 5.42% | 13.12% | 16.42% | 11.65% | +848 bps | |
| Loan Growth (YoY) | 2.32% | 12.97% | 12.70% | -0.28% | -4.14% | -7.69% | -2.83% | 0.72% | +100 bps | |
| Share Growth (YoY) | -7.94% | -12.63% | -8.66% | 3.11% | 5.74% | 14.58% | 18.14% | 13.01% | +990 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.49% | 0.52% | +52 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 | 0.48% | 0.46% | 0.47% | 0.51% | 0.50% | 0.50% | 0.48% | 0.50% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.91% | 10.56% | 10.23% | 9.79% | 9.60% | 9.44% | 8.95% | 8.76% | -102 bps | |
| Net Worth / Assets | 9.91% | 10.56% | 10.23% | 9.79% | 9.60% | 9.44% | 8.95% | 8.76% | -102 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 42.45% | 47.43% | 45.05% | 39.30% | 38.49% | 38.21% | 37.05% | 35.03% | -428 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |