St. Paul, MN · Charter 64433
Q3 2005
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.76% | 0.63% | 0.51% | 0.44% | 0.37% | -39 bps | |
| Return on Equity | 7.53% | 6.07% | 4.95% | 4.13% | 3.55% | -398 bps | |
| Net Interest Margin | 3.73% | 3.88% | 3.79% | 3.97% | 3.97% | +24 bps | |
| Efficiency Ratio | 81.14% | 83.61% | 85.11% | 88.29% | 89.85% | +870 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.78% | -2.18% | -1.12% | -5.06% | -0.83% | -161 bps | |
| Loan Growth (YoY) | 21.66% | 13.29% | 9.74% | 2.08% | -1.82% | -2,347 bps | |
| Share Growth (YoY) | 2.78% | -2.08% | -0.14% | -4.57% | -3.03% | -581 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.22% | 4.70% | 0.23% | 0.32% | 0.14% | -8 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.22% | 0.21% | 0.20% | 0.19% | 0.19% | -3 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.11% | 10.42% | 10.22% | 10.55% | 10.52% | +41 bps | |
| Net Worth / Assets | 10.11% | 10.42% | 10.22% | 10.55% | 10.52% | +41 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.53% | 83.48% | 77.38% | 80.41% | 81.53% | +100 bps | |
| Liquid Assets / Assets | 23.08% | 21.97% | 22.24% | 19.70% | 20.95% | -212 bps | |